Credit Report Dispute — Letter to Equifax / Experian / illion — $49
A few quick questions · $49 once · No card until the final step
Before you start: Credit Report Dispute — Letter to Equifax / Experian / illion
Wrong default, enquiry you never made, someone else's debt, a paid account still showing unpaid, or a listing older than five years on your Equifax, Experian or illion file? A formal dispute and correction request to the credit bureau itself under Part IIIA of the Privacy Act — the entries in a table, the ground for each, the section the bureau must act under, correction or removal within 30 days, a free corrected report, a fraud ban period where you need one, and the AFCA/OAIC escalation set up.
- Answer plain questions about your situationAbout 5 minutes, one question at a time. No legal knowledge and no card needed.
- See how your document is set out, then pay $49 onceBy card through Stripe. The full document is drafted in about 5 minutes.
- Read it, change it, then approve itChange the wording yourself or ask for a redraft (unlimited edits, 2 redrafts included). Nothing is sent until you approve it.
You can stop at any point before paying, at no cost.
What to have ready
- Who it goes to: their name, and their email if you want us to send it
- The key dates, and any amounts involved
- Any documents, emails or messages. Tell us in the chat what you have; the document can refer to them.
Common questions
How much does the Credit Report Dispute cost?A flat $49 AUD, including GST. There is no card required to start, no subscription and no hourly rate — you see the full summary of your answers before you pay.
How long does it take?There are 11 questions, which take a few minutes to answer. For eligible documents, the real protected draft is usually ready in about 5 minutes before payment. You pay only if you choose to unlock the clean final document.
Is it sent automatically, or do I see it first?You see it first. The draft lands in your dashboard for review; nothing goes to the other party until you approve it. Once you approve, we email it on your behalf and record the delivery.
Finish now, or come back later
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