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How to Write a Credit Report Dispute LetterIf you have inaccurate or out-of-date information on your credit report, you can dispute it by phone, online, or in writing.
Phoning the credit bureau may be easier, in order to create a paper trail, experts recommend that you do everything in writing, or online. When disputing items by mail, start your letter with a list of items you are disputing, including all facts supporting and explaining your case. You also need to include copies of all documentations that support your case and include a copy of your credit report with the item in question circled. Do not send originals. The credit reporting agency must by law forward all relevant data you provided them to the company that originally provided the information. Once the company receives the request for verification from the credit bureau, the company must investigate, review, and report the results to the credit bureau. Below is a sample of how to write your dispute letter. Date Complaint Department
Name of Credit Reporting Agency
Address
City, State, Zip Code
Dear Sir or Madam: I am writing to dispute the following information in my credit report and have circled the item(s) on the attached copy of my credit report. Item 1: (identify disputed item(s) by name of source (i.e. creditor) and type of item (i.e. credit card account, judgment, etc.) This item is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be (deleted, updated, modified, etc.) to correct the information. Item 2: (if applicable, etc.) Enclosed are copies of (describe any enclosed documents such as payment records, court documents, cancelled checks, etc.) that support my position on the above item(s). Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible. Sincerely, Your name
Your Address cc: creditor(s) Enclosures: (List what you are enclosing)
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