Sample Letter of Explanation to Dispute Credit Report
All 3 of the credit bureaus now accept filing of disputes online, with Experian only accepting online submissions. To find out how to initiate a dispute online, click here.
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.
Your City, State, Zip Code
Name of Credit Bureau
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.
Enclosures: (List what you are enclosing)
- How do I get my free credit report and score from each bureau?
- What differences on my credit reports should I be concerned about?
- I recently submitted a dispute to the credit bureaus to have some errors corrected and information updated. Will my FICO® Score automatically increase when these errors are fixed?
- What are inquiries and how do they affect my FICO Scores?
- How long do inquiries stay on my credit report?
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