Why I Built Dispute Nerds: AI Credit Dispute Software

Bottom line: I built Dispute Nerds so you can see what may be wrong on your credit report and handle your own disputes with full control. The AI analyzes your report and flags possible errors. You review the findings, then sign and send any disputes yourself. Dispute Nerds never files disputes for you, and it doesn't promise any result. This is for anyone who wants to check their credit report for errors and dispute them on their own terms.

Who am I, and why did I build Dispute Nerds?

I'm Calvin Harvey II, Founder & CEO of Dispute Nerds. I've spent more than 10 years in the credit industry. I'm also a repeat founder, and I built the Dispute Nerds app myself.

What problem does Dispute Nerds try to solve?

Dispute Nerds tries to make one hard part easier: reading your credit reports closely enough to spot possible errors, then turning those findings into clear disputes you control.

Errors are real. In a 2013 study Congress asked for, the FTC found that one in five consumers had an error on at least one of their three credit reports (FTC, 2013).

But a credit report is long and detailed. It has personal information, accounts, collection items, public records, and inquiries (CFPB). Multiply that by three bureaus, and it's easy to miss something.

What does "you stay in control" actually mean?

"You stay in control" means the decisions and the disputes are yours. Here's how the work splits:

• The AI analyzes your credit report and flags items that may be inaccurate or incomplete.
• You review every finding and decide what, if anything, to dispute.
• You sign and send your own disputes.

Dispute Nerds never files disputes for you. Nothing goes out without you reviewing it, signing it, and sending it.

Why software instead of having someone dispute for you?

I built software because disputing errors is already your right, and you don't need anyone's permission to use it. The FTC says both the credit bureau and the business that supplied the information have to correct wrong or incomplete information, and do it for free (FTC).

The CFPB lays out how to dispute with the credit bureaus and with the company that provided the information (CFPB). The Fair Credit Reporting Act says a credit bureau generally has 30 days to investigate a dispute. In some cases, such as when you send more relevant information during the investigation, that can extend to 45 days (15 U.S.C. § 1681i; CFPB).

What people need is a clear look at their reports and a simple way to act on what they find. That's what I built Dispute Nerds to do.

What doesn't Dispute Nerds do?

Being clear about what we don't do matters as much as what we do:

• We don't file disputes for you. You review, sign, and send.
• We don't promise results. No one can promise a credit score change or that an item will be deleted.
• We can't make accurate information go away. The FTC says correct negative information can generally be reported for seven years, and bankruptcy for 10 (FTC). Disputes are for information that's inaccurate or incomplete.
• We're not a credit repair company. Dispute Nerds is AI-powered credit dispute software.

How do you get started?

You get started with your Free Findings. You sign up, connect your credit report through our monitoring partner (billed separately), and the AI flags items that may be worth a closer look.

Findings are free. Your credit report comes from our monitoring partner and is billed separately.

If you'd rather start on your own, read the most common credit report errors and How to Dispute Credit Report Errors: Step by Step.

(Coming soon: How Dispute Nerds Works: The AI Analyzes, You Decide, and What's in Your Free Findings.)

FAQ

Is Dispute Nerds software or a service?

Dispute Nerds is AI-powered credit dispute software, not a credit repair company. The AI analyzes your credit report and flags possible errors. You review the findings, then sign and send your own disputes.

Does Dispute Nerds send disputes for me?

No. Dispute Nerds never files disputes for you. Every dispute is reviewed, signed, and sent by you.

Will Dispute Nerds raise my credit score?

We can't promise that, and no one can promise a score change or a deletion. Disputes are for information that's inaccurate or incomplete, and the outcome depends on each investigation.

What does Free Findings cost?

Findings are free. Your credit report comes from our monitoring partner and is billed separately.

Can I dispute errors without Dispute Nerds?

Yes. You have the right to dispute errors yourself, for free, directly with the credit bureaus and the companies that reported the information. The FTC and CFPB both explain how.

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Sources

• Federal Trade Commission, "In FTC Study, Five Percent of Consumers Had Errors on Their Credit Reports That Could Result in Less Favorable Terms for Loans" (Feb. 11, 2013): https://www.ftc.gov/news-events/news/press-releases/2013/02/ftc-study-five-percent-consumers-had-errors-their-credit-reports-could-result-less-favorable-terms
• Federal Trade Commission, "Disputing Errors on Your Credit Reports": https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports
• Consumer Financial Protection Bureau, "What is a credit report?": https://www.consumerfinance.gov/ask-cfpb/what-is-a-credit-report-en-309/
• Consumer Financial Protection Bureau, "How do I dispute an error on my credit report?": https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/
• 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/
• Fair Credit Reporting Act, 15 U.S.C. § 1681i (Legal Information Institute, Cornell Law School): https://www.law.cornell.edu/uscode/text/15/1681i

Last updated: October 15, 2026