Credit Dispute Tracker

Live. Never miss a credit-reporting dispute deadline: bureau and direct disputes, frivolous notices and the right Metro 2 code.

For furnishers. Tracks bureau (e-OSCAR / ACDV) disputes under FCRA 623(b): 30 days from the bureau's receipt, 45 when the consumer adds information, an earlier ACDV due date wins, and no frivolous dismissals. Tracks direct disputes under FCRA 623(a)(8) and 12 CFR 1022.43: 30 or 45 days, the exceptions for identifying information, inquiries and credit-repair or form letters, and the frivolous notice due within 5 business days. Gives the Metro 2 compliance condition code (XB open, XC consumer disagrees, XH resolved), corrections owed to every bureau, identity-theft report and DOFD cautions, and the FDCPA 1692g(b) pause for disputes inside the validation period. Dates and flags only; up to 2,000 disputes per call. Not legal advice.

Price: $0.001 per record after 1,000 free per month.

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