This article provides a full overview of the Dispute Manager process, including how to import a credit report, prepare disputes, select dispute letters, review letters, print disputes, and track dispute results.

Import the Customer’s Credit Report

To begin:

Go to Dispute Manager
Click the Import Credit Report tab
Click Import Button

Once the report is imported, the system will display:

Personal Information
Public Records
Negative Accounts
Inquiries
Positive Accounts

Select Items for Dispute

After importing the report, review and select the items you want to dispute.

Personal Information

You can dispute personal information using:

Quick Dispute Mode

Applies one dispute reason and instruction to the entire section.

Detailed Dispute Mode

Allows you to add separate reasons and instructions for each field.

Negative Accounts

For negative accounts, you can:

Select accounts for dispute
Choose dispute reasons
Or Add custom reasons
Choose dispute instructions
Or Add custom instructions
Add internal notes

Inquiries

For inquiries, you can also use:

Quick Dispute Mode
Detailed Dispute Mode

Make sure to select the inquiries you want to dispute.

Positive Accounts

Positive accounts can also be disputed if corrections or updates are needed.

You can:

Select dispute reasons
Or Add custom reasons
Select dispute instructions
Or Add custom instructions
Add internal notes

Save or Continue

Once finished preparing the dispute details, you can:

Click Save and Exit to continue later
Click Next to move to the Dispute Manager screen

Creating the Disputes

Step 1: Create the Dispute

In the Dispute Manager screen, start by selecting who you are disputing with:

Credit Bureaus
Creditors
Collectors
Freeze Letters

Each category contains its own dispute letters.

Step 2: Review Selected Items

This section contains two categories:

Marked for Dispute

Items selected during the credit report import process.

Not Marked for Dispute

Items imported from the report but not selected for dispute.

You can:

Move items between sections
Edit dispute reasons and instructions
Remove items from disputes
Delete items entirely

Note: You cannot continue to the next step if dispute reasons or instructions are missing.

For Creditor and Collector Disputes

When disputing creditors or collectors, you must also add an address.

To add an address:

Select the account
Click Add Address
Search for the creditor or collector
Select the address
Click Add Selected Address to the Letter

Once added, you can continue to the next step.

Step 3: Select Dispute Letters

Choose the letter category you want to use.

Available categories include:

Dispute Flow Letters
Manual Letters
General Letters
Campaign Letters
Respond Letters
Freeze Letters

After selecting a letter:

Review the template
Edit the content if needed
Rewrite the letter using AI
Send the letter to preview

Step 4: Review and Prepare for Printing

In the final review step, you can:

Review dispute letters
View disputed accounts per bureau
Edit dispute reasons and instructions
Edit letter templates
Upload images to letters

Once finalized:

Click Send to Bulk Print
Print or mail the dispute letters

Tracking Disputes

After printing, your disputes will appear under the Tracking tab.

The tracking section displays:

Date sent
Due dates
Tracking timeline
Dispute status

Viewing Results

Once dispute updates are received, results will appear under the Results tab.

This section displays:

Deletions
Updates
Dispute outcomes
Account changes

Additional Notes

Dispute reasons and instructions are required before proceeding
Different dispute categories have different letter templates
Creditor and collector disputes require an address before continuing
You can save your progress at any time during the dispute preparation process

This article provides a full overview of the Dispute Manager process, including how to import a credit report, prepare disputes, select dispute letters, review letters, print disputes, and track dispute results.

Import the Customer’s Credit Report

To begin:

Go to Dispute Manager

Click the Import Credit Report tab

Click Import Button

Once the report is imported, the system will display:

Personal Information

Public Records

Negative Accounts

Inquiries

Positive Accounts

Select Items for Dispute

After importing the report, review and select the items you want to dispute.

Personal Information

You can dispute personal information using:

Quick Dispute Mode

Applies one dispute reason and instruction to the entire section.

Detailed Dispute Mode

Allows you to add separate reasons and instructions for each field.

Negative Accounts

For negative accounts, you can:

Select accounts for dispute

Choose dispute reasons

Or Add custom reasons

Choose dispute instructions

Or Add custom instructions

Add internal notes

Inquiries

For inquiries, you can also use:

Quick Dispute Mode

Detailed Dispute Mode

Make sure to select the inquiries you want to dispute.

Positive Accounts

Positive accounts can also be disputed if corrections or updates are needed.

You can:

Select dispute reasons

Or Add custom reasons

Select dispute instructions

Or Add custom instructions

Add internal notes

Save or Continue

Once finished preparing the dispute details, you can:

Click Save and Exit to continue later

Click Next to move to the Dispute Manager screen

Creating the Disputes

Step 1: Create the Dispute

In the Dispute Manager screen, start by selecting who you are disputing with:

Credit Bureaus

Creditors

Collectors

Freeze Letters

Each category contains its own dispute letters.

Step 2: Review Selected Items

This section contains two categories:

Marked for Dispute

Items selected during the credit report import process.

Not Marked for Dispute

Items imported from the report but not selected for dispute.

You can:

Move items between sections

Edit dispute reasons and instructions

Remove items from disputes

Delete items entirely

Note: You cannot continue to the next step if dispute reasons or instructions are missing.

For Creditor and Collector Disputes

When disputing creditors or collectors, you must also add an address.

To add an address:

Select the account

Click Add Address

Search for the creditor or collector

Select the address

Click Add Selected Address to the Letter

Once added, you can continue to the next step.

Step 3: Select Dispute Letters

Choose the letter category you want to use.

Available categories include:

Dispute Flow Letters

Manual Letters

General Letters