Use this sample letter to dispute mistakes on your credit report. Your letter should clearly identify each item in your report you dispute, state the facts, explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your credit report with the items in question circled. Send your letter by certified mail with “return receipt requested,” so you can document that the credit bureaus got it. Keep your original documents. Include copies of the documents that support your request and save copies for your files.
[Date]
[Your Name]
[Your Address]
[Your City, State, Zip Code]
[Credit Bureau Name]
[Street Address]
[City, State, Zip Code]
Subject: Disputing Information in Credit Report
I am writing to dispute the following information in my file.
This item [for instance: retailer account at ABC Department Store] is inaccurate [or incomplete] because [describe in detail what is inaccurate or incomplete and why]. I am requesting that this item be removed [or request another specific change to correct the information].
[List and describe any other items you are disputing.]
Enclosed is documentation supporting my request: [describe the documents you’re sending, for instance: my credit report, with the disputed items circled.]
Please investigate this matter and delete [or correct] the disputed item[s] as soon as possible.
[Your name]
Enclosures: [List what you are enclosing]