Dispute letter guides by creditor

FCRA-compliant dispute guides for every major creditor and every dispute angle. Each page includes the creditor's mailing address, common dispute angles for that creditor, exact letter wording, and the FCRA section that backs the play.

Credit cards

American Express
El Paso, TX 79998
    Chase Bank
    Wilmington, DE 19850
      Capital One
      Salt Lake City, UT 84130
        Discover
        Salt Lake City, UT 84130
          Citibank
          Sioux Falls, SD 57117
            Bank of America
            El Paso, TX 79998
              Wells Fargo
              Los Angeles, CA 90051
                US Bank
                Fargo, ND 58125
                  Barclays Bank
                  Wilmington, DE 19899
                    Credit One Bank
                    Las Vegas, NV 89193
                      First Premier Bank
                      Sioux Falls, SD 57117
                        Merrick Bank
                        Old Bethpage, NY 11804

                          Store cards

                          Synchrony Bank
                          Orlando, FL 32896
                            Comenity Bank
                            Columbus, OH 43218

                              Auto lenders

                              Ally Financial
                              Bloomington, MN 55438
                                Santander Consumer USA
                                Fort Worth, TX 76161
                                  CarMax Auto Finance
                                  Kennesaw, GA 30160

                                    Student loan servicers

                                    Navient
                                    Wilkes-Barre, PA 18773
                                      Nelnet
                                      Lincoln, NE 68501
                                        Sallie Mae
                                        Wilkes-Barre, PA 18773

                                          Mortgage servicers

                                          Rocket Mortgage
                                          Carol Stream, IL 60197
                                            NewRez (Shellpoint)
                                            Cincinnati, OH 45274
                                              Mr. Cooper
                                              Dallas, TX 75261

                                                Debt collectors

                                                Portfolio Recovery Associates
                                                Norfolk, VA 23502
                                                  Midland Credit Management
                                                  San Diego, CA 92193
                                                    LVNV Funding LLC
                                                    Greenville, SC 29603
                                                      Transworld Systems
                                                      Wilmington, DE 19850
                                                        Credit Collection Services (CCS)
                                                        Boston, MA 02205

                                                          Fintech / BNPL

                                                          Affirm
                                                          San Francisco, CA 94108
                                                            Klarna
                                                            Columbus, OH 43215