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