FILING OPTIONS
Should you dispute online or by mail?
Both channels can work. The better choice is the one that lets you make a precise claim, attach relevant evidence, and preserve a complete record.
Online disputes
Online portals can be fast and provide immediate confirmation. Before submitting, save the final dispute text, attachment list, confirmation number, and every result screen.
Mail disputes
Mail can make it easier to present a detailed letter and organized evidence packet. The CFPB says you may choose certified mail with return receipt so you have a delivery record.
What matters most
Do not choose a channel based on myths about automatic deletion. A specific explanation and relevant supporting documents matter more than a particular submission method.
Keep one dispute file
Store the report, dispute, evidence, delivery confirmation, response, and follow-up notes together. Never send original documents.
Primary references: Consumer Financial Protection Bureau credit report resources and Federal Trade Commission consumer credit guidance.
CFPB credit resources ↗ · FTC consumer protection ↗ · IdentityTheft.gov ↗