What's in Your Dispute Nerds Free Findings
Calvin Harvey II
October 27, 2026
Bottom line: Free Findings is where the Dispute Nerds AI shows you items on your credit report that may be inaccurate or incomplete. Findings are free. Your credit report comes from our monitoring partner and is billed separately. You review the findings, and you decide whether to dispute anything; Dispute Nerds never files disputes for you. This is for anyone thinking about signing up.
I'd rather you know exactly what you're getting before you sign up. Here are straight answers about Free Findings: what it is, what it costs, and what stays in your hands.
What is Free Findings?
Free Findings is the result of the Dispute Nerds AI analyzing your credit report. The AI flags items that may be inaccurate or incomplete, so you can take a closer look.
A finding is not a conclusion. It's a flag that says "this may be worth checking." You're the one who decides what it is.
What does Free Findings cost?
Findings are free. Your credit report comes from our monitoring partner and is billed separately.
So there are two parts. The findings themselves don't cost anything. The credit report the AI analyzes comes from our monitoring partner, and that report is billed separately.
How does Free Findings work?
Free Findings works in three steps:
- Sign up at disputenerds.com/signup.
- Connect your credit report through our monitoring partner. The report is billed separately.
- See your findings. The AI flags items that may be worth a closer look.
What do you decide after you see your findings?
After you see your findings, every decision is yours:
- You review each finding.
- You decide which items, if any, to dispute.
- You sign and send your own disputes.
Dispute Nerds never files disputes for you. Nothing goes out unless you review it, sign it, and send it.
What kinds of items might show up in your findings?
The items that might show up are ones that may be inaccurate in the ways the CFPB lists as common errors (CFPB):
- Personal information that may be wrong, a possible mixed file, or accounts that may be from identity theft
- Closed accounts that may be shown as open, or you possibly listed as the owner when you're only an authorized user
- Late payments or dates that may be wrong
- The same debt that may be listed more than once
- A balance or credit limit that may be wrong
Read more in the most common credit report errors.
What can't Free Findings do?
Free Findings can't promise any result. No one can promise a credit score change or a deletion.
Findings also can't make accurate information go away. The CFPB says you generally can't have accurate negative information removed (CFPB). Disputes are for information that's inaccurate or incomplete. If you do dispute, a credit bureau generally has 30 days to investigate, or up to 45 days if you dispute after getting your free annual report or send more relevant information during the investigation (CFPB).
Do you need Dispute Nerds to dispute errors?
No. You have the right to dispute errors yourself, for free. The CFPB says you can dispute inaccurate information directly with the credit bureaus and the companies that furnish your information, at no cost (CFPB). You can get free weekly reports at AnnualCreditReport.com (FTC).
Dispute Nerds is for people who want AI to do the close reading so they can focus on deciding. To see how the whole process works, read Why I Built Dispute Nerds and How to Dispute Credit Report Errors: Step by Step.
FAQ
Is Free Findings really free?
Findings are free. Your credit report comes from our monitoring partner and is billed separately.
Does Dispute Nerds send disputes for me?
No. Dispute Nerds never files disputes for you. You review, sign, and send every dispute.
Does a finding mean something is definitely wrong?
No. A finding is a flag that an item may be inaccurate or incomplete. You review it and decide.
Can Free Findings promise my score will go up?
No. No one can promise a score change or a deletion.
Sources
- Consumer Financial Protection Bureau, "How long does it take to repair an error on a credit report?": https://www.consumerfinance.gov/ask-cfpb/how-long-does-it-take-to-repair-an-error-on-a-credit-report-en-1339/
- Consumer Financial Protection Bureau, "What are common credit report errors that I should look for on my credit report?": https://www.consumerfinance.gov/ask-cfpb/what-are-common-credit-report-errors-that-i-should-look-for-on-my-credit-report-en-313/
- Consumer Financial Protection Bureau, "Is it possible to remove accurate but negative information from my credit report?": https://www.consumerfinance.gov/ask-cfpb/is-it-possible-to-remove-accurate-negative-information-from-my-credit-report-en-1249/
- Federal Trade Commission, "Free Credit Reports": https://consumer.ftc.gov/articles/free-credit-reports
- AnnualCreditReport.com: https://www.annualcreditreport.com/index.action
Last updated: October 27, 2026
