Sample credit report dispute letter
Tell the credit bureau in writing what information you believe is inaccurate.
Include copies (NOT originals) of documents that support your position.
You may want to enclose a copy of your credit report with the
items in question circled. Send your letter by certified mail, return receipt requested,
so you can document that the credit bureau received your correspondence.
Keep copies of your dispute letter and enclosures.
Date
Your Name
Your Address
Your City, State, Zip Code
Complaint Department
Name of Credit Bureau
Address
City, State, Zip Code
Dear Sir or Madam:
I am writing to dispute the following information in my file.
The items I dispute also are encircled on the attached copy of the report I received.
This item (identify item(s) disputed by name of source, such as creditors or
tax court, and identify type of item, such as credit account, judgment, etc.)
is (inaccurate or incomplete) because (describe what is inaccurate or
incomplete and why). I am requesting that the item be deleted (or request
another specific change) to correct the information.
Enclosed are copies of (use this sentence if applicable and describe
any enclosed documentation, such as payment records, court documents)
supporting my position. Please reinvestigate this (these) matter(s)
and (delete or correct) the disputed item(s) as soon as possible.
Sincerely,
Your name
Enclosures: (List what you are enclosing)
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