Dispute Letter Credit Report – Sample Credit Report Dispute Letter

Finding Errors On Credit Report

Filing a credit report dispute letter is an important part of the process to improve your credit scores and credit report. You will want to ensure that you include the following items as a minimum in your dispute letter for every credit account you dispute:

What To Include In Credit Report Dispute Letter

• Full name, SSN, Home address
• Credit Account Name
• Credit Account account number
• Indicate what you are disputing – what is actually written on your credit report
• Indicate what you say it should be
• Reference written proof that you enclosed to counter what is on your report from the creditor
• Indicate how you would like the report to read – they may not change it to that, but it is worth a try
• Reference that you have included a copy of your credit report

Sample of Dispute Letter to send to Credit Bureau to Dispute Errors on your Credit Report (FTC sample)

Date
Your Name
Your Address
Your City, State, Zip Code

Complaint Department
Name of Company
Address
City, State, Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my file. The items I dispute also are circled 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 deleted (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 investigate 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)

Note: Only send copies of your original documents – somehow things seem to get lost, and you will never get back what you sent.

Get more information on what to include in your credit dispute letter from the FTC.gov.