We go straight to the collector, and we only get paid if it works.
Dispute on Demand sends certified dispute letters for Texas residents, to collection agencies, and to auto lenders after a repossession. It's built by the team behind Cheating Debt, which has helped Texans with their credit since 2016.
Why we focus on collectors
Like most credit help, we started out disputing accounts through the credit bureaus, using the Fair Credit Reporting Act. It works, and it's still the first step we recommend. But we kept noticing something: some accounts didn't seem to get a real investigation. They just came back marked “disputed.”
So we went to the source. The Fair Debt Collection Practices Act gives you the right to ask a collector to validate a debt: to show that it's yours, who owned it, that the amount is right, and that they followed the required notice process. Enforcing those rights, in writing and by certified mail, is what Dispute on Demand does.
The same idea works after a car repossession, even when the balance never went to a collector. Texas law requires the auto lender to give notice before it sells the car and, when you ask, to explain in writing how it calculated what it says you still owe. So for a repossession, we write to the auto lender too.
Why you only pay if it works
Paying for something without knowing if it will work is one of the hardest parts of getting help. We understand that, so we take the risk instead. We believe in this process enough to only get paid when it works.
We cover every upfront cost: printing, USPS Certified Mail, and a follow-up letter when an account needs another round. Some accounts take more than one letter, and if you paid per letter, at $25–35 each, that could add up fast. You pay $100 only on a Qualifying Outcome: the collector confirms in writing that it's stopping collection, or a credit report we pull for you shows the account is gone. If neither happens, you owe nothing. You stay hands-off, and we keep you in the loop.
A story we still think about
Once, a collector stopped collecting the day after we contacted them. That isn't typical; most take weeks, and some don't stop at all. But it showed us how much these laws can matter when someone actually uses them.
“My favorite part is when someone who's skeptical, because they've never heard of these laws, gets to watch them work.”
Brent Rankin, founder of Cheating Debt
What we will and won't do
We will
- Write and mail your dispute letter by USPS Certified Mail, with tracking.
- Send a follow-up letter when an account needs one, at no extra cost.
- Read the collector's or lender's response for you and explain what it means.
- Pull your credit reports under the limited power of attorney you sign, to see what changed.
- Charge only on a Qualifying Outcome, never up front.
We won't
- Promise a result, or say we can remove accurate, current, verifiable information. No one can.
- Charge monthly fees or require a monitoring subscription.
- Call or text to sell you anything. Sign-up happens online.
- Give legal advice. We're not a law firm.
You always have the right to dispute anything on your credit report yourself, at no cost, with the credit bureaus or directly with the collector or lender. If you're not sure where to start, a free Debt Cheat Sheet from Cheating Debt walks you through your reports first.
Who we serve
Dispute on Demand is for Texas residents. We're a registered and bonded Texas credit services organization, and we'd rather do that well than expand too fast. Questions? Email support@disputeondemand.com.
Have a collection on your credit report?
Nothing charged today. You only pay if it works.
Start Your DisputeResults vary. Every account is different, and outcomes depend on the account, the collector or lender, and applicable law. This page is general information, not legal advice.