Dispute on Demand is built by the team behind Cheating Debt, which has helped Texans with their credit since 2016. It grew out of Cheating Debt's own dispute work. Read our story.

Dispute On Demand disputes negative accounts for Texans by certified mail: with the collection agency, or, after a car repossession, with the auto lender when it still holds the balance. We also request your credit report from the three bureaus under your power of attorney to track the results. We operate on a Pay Only If Collection Stops model — you pay $100 only on a Qualifying Outcome: the collection agency confirms in writing that it is ceasing collection, the original lender waives the balance or agrees in writing to stop collecting, or a credit report we pull shows the account is no longer being reported. Nothing is charged today.

Collection accounts held by a third-party collection agency: medical bills, charged-off credit cards, repossession balances, personal and payday loans, apartment balances, utilities and more. If your car was repossessed or voluntarily surrendered and the auto lender still holds the balance, we can dispute that with the lender too. For other accounts still with the original lender, a free dispute with the credit bureaus is usually the best first step.

You complete the online form with your information and the accounts you want disputed, whether each is with a collection agency or, after a repossession, the auto lender. Your card is securely stored on file but nothing is charged. After your 3-business-day cancellation period ends, we prepare your dispute letter and mail it by USPS Certified Mail within 3 business days. Under your power of attorney, we also request your credit report from Equifax, Experian, and TransUnion when the letter is mailed, and again if a follow-up dispute is needed. If the collector confirms in writing that it is ceasing collection, the lender waives the balance or agrees in writing to stop collecting, or your credit report shows the account is no longer being reported, you pay $100. If none of those happens, you pay nothing.

We use a Pay Only If Collection Stops model — $100 only on a Qualifying Outcome: the collection agency confirms in writing that it is ceasing collection, the original lender waives the balance or agrees in writing to stop collecting, or a credit report we pull for you shows the account is no longer being reported. No monthly fees, no hidden charges, and nothing is charged if none of those happens.

You need your basic personal information (name, address, date of birth) and the name of the collection agency or lender reporting the account. No credit report is required to get started.

Yes, for now. Dispute on Demand serves Texas residents only. We're a registered and bonded Texas credit services organization, and we're focused on doing that well before expanding to other states.

We prepare your dispute letter right after your 3-business-day cancellation period ends, and mail it by USPS Certified Mail within 3 business days. The FDCPA doesn't give collectors a deadline to answer; if one can't verify the debt, it has to stop collecting until it does. Many respond within 30 to 45 days. A lender asked to explain a repossession deficiency has 14 days under Texas law.

For a collection agency, we use the rights the Fair Debt Collection Practices Act and the Texas Debt Collection Act give you to ask it to validate a debt. For an auto lender after a repossession, we use Texas's rules for repossession sales and deficiencies, which require the lender to explain in writing how it calculated what it says you still owe, Texas debt collection law, which also covers creditors collecting their own accounts, and the Fair Credit Reporting Act for how the account is reported. The letters on this site are real, redacted letters collectors sent after our disputes. Every account is different, and no one can guarantee a result or remove accurate, current, verifiable information.

No credit repair service can legally guarantee the removal of accurate, current, and verifiable information. Dispute On Demand prepares and delivers dispute letters under the laws that apply to each account, but outcomes depend on each individual account and how the collection agency or lender responds. Past results shown on this site are real client experiences and do not guarantee future results.

Yes. We guide you through the process and review any responses you get from collection agencies and lenders.

Yes. You get a USPS tracking number to follow your letter's delivery.

Yes. You have the right to cancel without penalty or obligation within three (3) business days of signing your agreement, as required by federal law. After that, you can end your agreement any time by email. If your letter hasn't been mailed yet, we won't mail it and you owe nothing. If it has, we stop all further work, and a Qualifying Outcome from the letter already sent can still be charged.