Credit Report Dispute Letter

A credit report dispute letter can make or break your ability to get the loans you want at the best interest rates, or risk being declined as it can get inaccurate items that might be giving you a low credit score off your credit report. Find out how to write a credit report dispute letter designed to get errors removed from your credit report so you can get that loan you’re after.

You would have received your credit report from one of the big three credit agencies, either Equifax, Experian or Trans Union.

If after going over your credit report carefully you find what you think is an error – like a judgment still showing up after seven years or the statute of limitations for your state has elapsed, or a inquiry that you didn’t make – then you need to dispute it with the credit reporting agency you got the report from.

What you need to do is let the credit agency know what information is incorrect on your report by writing a credit repair letter to them.

In this credit report dispute letter you need to point out to them what the inaccurate information is and include some kind of proof in regard to it if you have it or can copies of it.

Something like photocopies of cancelled checks that were used to pay the account (you would need to contact your bank for these) or receipts showing payments you have made.

Anything you can find to back up your claim that the information on there is incorrect. Don’t panic if you can’t find any evidence to support your dispute.

You still have a right to dispute any errors even if you can’t get copies of any evidence to the contrary so still pursue the dispute.

Following is a sample credit report dispute letter you can use as a basis for your own.

Date
Your Name
Your address, state, city and zip code

Complaint Department
Name of the Credit Agency you received the report from
Address
City, State, Zip Code

Dear Sir or Madam

I wish to dispute the following information on my credit report file, as it is inaccurate. I have enclosed a copy of the original I received from you on (date) and have also marked these items on it in red.

The following item/s is/are inaccurate/incomplete because (give the reason why)

Name Of Company/Organization
Type Of Item (credit account/judgement)
Account #

I am requesting that the item be removed in order to correct the information on my credit report. (If you have evidence to support your dispute add the following):

I have enclosed copies (only send copies, never the original) of payment records/cancelled checks/ receipts (whichever is applicable) to support my position.

Please investigate this/these item/s and delete it/them from my account as soon as possible.

Sincerely,
Your name

enc: (include here a list of what you are enclosing to support your dispute) eg
Copy of credit report
Receipt dated ….
Copies of cancelled checks numbered….

Keep a copy of your credit report dispute letter and any supporting documents you included as enclosures and make sure you send your credit repair letter by certified mail “return receipt requested” so you have evidence of when the credit agency received it.