{"uid":"cap_Y_TePb47pKswpVRNFendQ","slug":"debtpulse-credit-dispute-guide-3dcdfbe0","name":"DebtPulse Credit Dispute Guide","description":"Credit report dispute guide and FCRA dispute-letter templates. Returns ready-to-send letters, the credit-bureau dispute process, and the escalation path, tailored by country. For credit and consumer-rights agents.","url":"https://debtpulse.vercel.app/api/debt/dispute","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET","HEAD","DELETE"],"type":"string"},"queryParams":{"type":"object","properties":{"action":{"type":"string","description":"minimum-payment | interest-cost | balance-transfer | dispute | hardship | payoff-strategy"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"errors":{"type":"object","description":"Documented error responses, keyed by HTTP status code","additionalProperties":{"type":"object","required":["description"],"properties":{"example":{"type":"object"},"description":{"type":"string"}}}},"example":{"type":"object"}}}}},"responseSchema":{"type":"json","example":{"action":"minimum-payment","balance":8500,"rate_apr":24.99,"minimum_payment":170,"payoff_years_minimum":8.4,"total_interest_minimum":8940,"interest_saved_extra_100":5200}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.08","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.08/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.08","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.08","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_qhcDj3R2g6eLiv0FGuPa7","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.08","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns credit dispute letter templates, bureau dispute process steps, and escalation paths by country for resolving inaccurate credit report entries.","exampleAgentPrompt":"Walk me through how to dispute an incorrect late payment on my credit report with Experian in the US — I need a dispute letter template and the full escalation path if they don't fix it.","exampleUseCases":null,"resultDescription":"The agent receives structured guidance including ready-to-use dispute letter templates, a step-by-step bureau dispute process tailored to the user's country, and an escalation path (e.g., CFPB complaint, legal action) if the initial dispute is unsuccessful.","failureModes":["Unsupported country returns empty or generic escalation path","Missing dispute type may yield overly broad letter templates","Network or payment failure returns 402 or 5xx error","Ambiguous bureau name may result in incorrect process steps"],"whenToPreferThis":"Use this endpoint when a user needs actionable, country-specific credit dispute guidance including formal letter templates and escalation paths. Prefer over generic legal databases when the user's goal is to directly challenge a credit bureau entry, especially across US, UK, or Australian jurisdictions.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T18:35:21.763Z","isFirstParty":false}