Sample Phrasing for a Dispute Letter

There are a few different ways to word your dispute letter. Make sure you tailor the dispute to fit your circumstances.

Sample 1

I’ve reviewed a copy of my credit report and found an error with GE Capital Account XXXX-XXXX-XXXX-1234. The account is listed as 30 days late. However, I have never been late on this account. Please remove this inaccurate information.

Sample 2

I’ve reviewed a copy of my credit report and found a number of negative accounts that are older than seven years. Here are the accounts that should be removed:

  • WFNNB/Express XXX-XXX-XXX
  • Verizon Visa XXXX-XXXX-XXXX-XXX

Sample 3

I've reviewed a copy of my credit report and found an error. The account with Chase XXXX-XXXX-XXX-3456 is not my account. I have never had an account with Chase Bank. Please remove this account from my credit report.

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 Debt Validation Letter

Sample Paid Account Dispute Letter

Examples of Dispute Letters

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.