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Sample Dispute Letter for Credit Report Items |
Use this sample letter format to dispute items on your credit report.
Some letters vary in their content, but this is the general outline of an effective dispute letter for the purposes of removing an item off your credit report.
Refer to how to improve your credit score and do it yourself credit repair for more information on how to use this letter and tips on disputing items on your credit report.
This letter will have to be sent to every Credit Reporting Agency on whose report the disputed item appears.
Date
Your Name
Your Address, City, State, Zip Code
Complaint Department
Name of Company
Address
City, State, Zip Code
Dear Sir or Madam:
I am writing to dispute the following information in my file. I have circled the items I dispute 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 removed (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.) |
Mail the letter to the address supplied on the credit report. Also, here are some links to the 3 major credit reporting agencies:
Equifax
Experian
TransUnion
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Credit Repair Guide