35-DAY DISPUTE CYCLES

Remove errors and grow your score

Our automated dispute resolution platform helps you identify inaccuracies on your credit report and submit professional disputes to credit bureaus. Take control of your credit accuracy.

Metro2 Format

All 3 Bureaus

Track Results

✓ Free report review • ✓ Automated dispute generation • ✓ Results tracking

|

Dispute errors and grow your credit score
Sable Mark

The Dispute Process

Dispute inaccuracies in four simple steps

Our automated dispute platform helps you address inaccuracies on your credit report for improved credit accuracy

We Pull Your Report
1

We Pull Your Report

Start with your free credit report

We securely pull your credit report from all three bureaus directly within our app. No need to upload files or visit external sites.

AI Analysis
2

AI Analysis

Our system identifies potential inaccuracies

Our automated system analyzes your report for potential errors, outdated information, and accounts that may require verification.

Generate Letters
3

Generate Letters

Professional dispute letter generation

We generate customized dispute letters in the industry-standard Metro2 format, ensuring proper documentation for bureau review.

Track Progress
4

Track Progress

Monitor your disputes in real-time

Send letters yourself or let us handle it. Track responses, update outcomes, and start new rounds every 35 days.

Why the 35-Day Cycle?

Credit bureaus have 30 days to investigate disputes. We add 5 days for mail delivery, ensuring you maximize your dispute opportunities while staying compliant with federal regulations.

30

Days to investigate

+

5

Days for delivery

=

35

Day dispute cycle

Your dispute resolution roadmap

Our proven process helps you systematically address credit report inaccuracies with professional disputes that get results.

Dispute Resolution Flow

Report Analysis

We pull and analyze your credit reports from all three bureaus to identify potential inaccuracies.

Dispute Submission

Professional dispute letters are generated and sent to credit bureaus and creditors.

35-Day Cycles

Track responses and prepare for the next round of disputes every 35 days.

Results Tracking

Monitor changes to your credit report and celebrate your improvements.

Every step is designed for maximum effectiveness

Our dispute resolution platform follows FCRA guidelines and uses Metro2 formatting to ensure your disputes are taken seriously by credit bureaus and creditors.

100%

FCRA Compliant

Metro2

Format Standard

3

Bureau Coverage

24/7

Progress Tracking

Sable Mark

Platform Features

Everything you need to dispute inaccuracies

Our comprehensive dispute platform gives you all the tools to address inaccuracies and improve your credit accuracy

SMART AI

Automated Analysis

Our automated system identifies potential inaccuracies and documentation issues.

Scans all 3 bureau reports

Identifies potential errors

Prioritizes by impact

Metro2 Format Letters

Industry-standard dispute letters that get results.

Professional formatting

Legal language included

Customized per item

Expert Support

Get guidance from dispute resolution specialists.

24/7 chat support

Dispute strategy help

Response interpretation

Track Everything

Monitor your disputes and see real-time progress.

Response tracking

Score monitoring

Success analytics

Secure & Compliant

Your data is protected and we follow all FCRA guidelines.

Bank-level encryption

FCRA compliant

Never stored reports

POPULAR

Fast Results

See changes to your credit report in as little as 30 days.

30-day bureau response

Automated reminders

Quick turnaround

Why choose Sable's dispute resolution platform?

Save $1000s - No monthly fees, pay only for what you need

Full control - You own the process and can track everything

Faster results - Start disputing immediately, no waiting

Learn as you go - Understand your credit and your rights

Sable dispute platform

Real members, real results

Join thousands who've successfully disputed inaccuracies and improved their credit accuracy

47,892
Active Disputes
+12% this month
283,457
Items Removed
All time
+87
Average Score Increase
Points
73%
Success Rate
First round

"I couldn't believe how easy it was. The system found inaccuracies I never would have noticed!"

Before

510

After

642

7 collections removed

Marcus J.

Atlanta, GA

"The Metro2 letters worked like magic. Got responses from all 3 bureaus!"

Before

580

After

695

4 late payments removed

Jennifer M.

Phoenix, AZ

"Finally qualified for a mortgage after disputing errors on my report. Life changing!"

Before

620

After

718

3 inquiries removed

David K.

Chicago, IL

Your dispute resolution journey starts today

Don't let inaccuracies on your credit report hold you back. Take control of your financial future with our automated dispute resolution platform.

Join 50,000+ members

actively disputing inaccuracies

Start disputing inaccuracies today

Don't wait another day with inaccuracies affecting your credit report. Our automated dispute platform is ready to help you address these issues.

Free Analysis

Upload your report for instant results

35-Day Cycles

Maximize your dispute opportunities

Pay As You Go

No monthly fees or contracts

No credit card required • See results instantly • Cancel anytime

Sable Credit

Our Products

Credit Builder Plan

Dispute & Grow

One Bill Plan (coming soon)

©2019–2025, Sable. All Rights Reserved.

Banking services and some personal loans are provided by Sable's Banking Partners, Evolve Bank & Trust, Member FDIC and Cross River Bank, Member FDIC.

¹ CBS News, January 2025 - Most Americans can't afford a $1,000 emergency expense

² U.S. News Survey, January 2025 - 42% of Americans Don't Have an Emergency Fund

³ Bank of America, November 2024 - Nearly half of Americans live paycheck to paycheck

PYMNTS Intelligence Report, February 2025 - 2024 Paycheck-to-Paycheck Report

Bankrate Emergency Savings Survey, March 2025 - Bankrate's 2025 Emergency Savings Report

LendingTree, 2025 - 2025 Credit Card Debt Statistics

Bankrate Credit Card Debt Report, April 2025 - Bankrate's 2025 Credit Card Debt Report

Kaiser Family Foundation Poll, 2024 - 100 million people in America are saddled with medical debt

American Journal of Public Health Study - U.S. Medical Debt & Bankruptcies: Statistics & Analysis

¹⁰ Kaiser Family Foundation Analysis, February 2024 - The Burden of Medical Debt in the United States

Taking out a Sable plan does not guarantee an increase to your credit score, and individual results may vary. It's important to make on-time payments, but other factors can affect your credit score, including performance on other credit accounts.