If you have reviewed your credit report and
believe that some of the information it contains may be inaccurate, you can
legally dispute it via mail or, for faster results, the Internet. Once
notified of a mistake on your report, a credit bureau has thirty days to
investigate and respond. If the information can't be confirmed, then the
item(s) should be removed.
For items that cannot be resolved online or that require copies of official
paperwork or other supporting documents, use the sample Credit Report Dispute
Letter below as a guide. Be sure to mail your letter and documents via
Certified Mail for your records.
Word of Caution: Not all creditors report to all three credit bureaus; so be
sure to only dispute a derogatory item to the credit bureau that is reporting
that item. Otherwise you risk having that negative item added to the reports
that are not currently showing them.
If you need any help, don't hesitate to give us a call. We'll be glad to
assist you or to provide a referral to credit repair professionals you can
Your City, State Zip Code
Credit Reporting Agency
City, State Zip Code
Re: (Social Security Number & Date of Birth)
Dear Sir or Madam:
I am writing to dispute the following information in my file: (Identify
disputed items by name of source, such as creditors or tax court, and
identify type of item, such as credit account, judgment, etc.) The items I am
disputing have also been circled on the attached copy of the credit report I
This item is (inaccurate or incomplete) because (explain what is inaccurate
or incomplete and why). I am requesting that the item be (deleted, changed,
updated, etc.) to correct the information.
(If you are enclosing any documents, send copies only.)
Enclosed are copies of the following documents supporting my position: (List
what you are enclosing, if applicable). I have also enclosed proof of my
social security number and current address for your review. Please
investigate and (delete or correct) the disputed item(s) as soon as possible,
and inform me in writing of the outcome.
Thank you for your time and consideration,