Dispute a debt

Think a debt is wrong? Start here.

Use the permanent 10-digit letter code from your notice and your billing ZIP to securely submit your response.

Verify your notice.

Enter the permanent 10-digit letter code and billing ZIP exactly as shown on the notice.

What happens next

Your response is reviewed.

Validate and the reporting business review the information you provide. The business may verify the debt, correct inaccurate information, or provide records relevant to the review. The process may take up to 30 days.

Escalation activity pausesNo additional escalation activity will move forward while the dispute is under review.

The business reviews your responseThe reporting business can review the dispute and provide information about the debt.

A dispute does not automatically change the debtIf the review confirms that the debt is legitimate and accurate, its status will remain unchanged. Inaccurate information will be corrected based on the review.