Sample Credit Bureau Dispute Letter
[Your Name]
[Your Address]
[Your City, State, Zip Code]
[Date]
Complaint Department
[Company Name]
[Street 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 and 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.]
What if I have already damaged my credit. How do I fix my credit?
Remember, if you get into trouble with your credit, you can Negotiate with your Creditors. It just takes some time and patience and you can be on your way to having great credit again.
Sample Credit Dispute Letters
Sample Credit Dispute Letter sent to Credit Bureaus
Sample Credit Dispute Letter to send to Collectors and Individual Companies
Sample Paid Account Dispute Letter
Make Sure Your Disputes Are Legitimate
Be sure you don’t do anything to make the credit bureaus think your credit report disputes are frivolous. Don’t dispute everything on your credit report and absolutely do not send all your disputes at once. If you dispute the same item more than once, you should give a different reason for each dispute, so the credit bureau doesn’t think you’re sending duplicates. The credit bureau has the right to deem your disputes frivolous and if that happens, the bureau also has the right to reject your dispute.