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Letters built on FCRA and FDCPA statutory frameworks. Not legal advice.Go to Credit Report, upload your report, and our AI identifies FCRA violations. We generate statute-specific dispute letters citing the exact law automatically.
Under FDCPA §1692g, you have 30 days from the first collection contact to request debt validation. The collector must stop collecting until they validate.
Yes — download the PDF and mail it yourself. Or use our Certified Mail feature to have SETTLED send it via USPS with Return Receipt.
A federal complaint filed with the Consumer Financial Protection Bureau. The CFPB forwards it to the company, which must respond within 60 days. It's free.
No. SETTLED is a document preparation platform, not a law firm. Letters are generated using FCRA and FDCPA statutory frameworks as a self-help tool. They are not reviewed by an attorney for your specific situation and do not constitute legal advice. For advice about your individual legal circumstances, consult a licensed consumer protection attorney.
SETTLED is a document preparation platform, not a law firm. It does not provide legal advice or legal representation. Documents generated through SETTLED are built on FCRA and FDCPA statutory frameworks as a self-help tool and do not constitute legal advice for your specific situation. SETTLED is not a credit repair organization. You control and send all documents. For advice about your individual legal circumstances, consult a licensed consumer protection attorney.