SAMPLE DISPUTE LETTER
Below is a sample dispute letter for you to use when looking
to remove information from your credit report that is
inaccurate. Make sure you include copies of all proof that
you have, i.e. paid off accounts and loans, checks proving
timely payments, as well as anything else that may support
your claims. It is also a good idea to include the resulting
impact you have suffered as a result of this erroneous info.
The credit bureaus receive over 20,000 dispute letters daily
and will focus their efforts on consumers that have been
123 Your Street Address
Your City, ST 01234
The Credit Bureau
Anytown, State 56789
Dear Credit Reporting Agency,
This letter is a formal complaint regarding your reporting
of reporting inaccurate credit information on my credit
I am very distraught that the information below is being
included on your credit profile of me. As a result of this
erroneous information, my good credit standing has been
seriously effected. The inclusion of this inaccurate data is
an error on either your or the reporting creditor's part. As
a result of the mistakes on my credit file, I have been
denied credit for a <insert loan or credit card type that
you were denied> which was extremely discomforting and has
impacted my life in a negative manner.
Enclosed is proof <include a copy of check used for
payment, an old statement proving a closed account, etc.>
which supports my claim.
The information below needs to be verified and removed from
my report immediately:
CREDITOR AGENCY, acct. 123-34567-ABC
Please confirm your actions.
sign your name
Print Your Name
It is very important that you provide proof if you have it!
Also, make sure you keep copies of all letters and proof and
send your letter via certified/registered mail.
Reading Your Credit Report
Making Sure Your Credit Report is Accurate
Credit Scores and How They are Computed
What Are the Most Difficult Items to Remove?
Things That Hurt Your Credit Score
Credit Report Secrets
How Long Do Negative Marks Stay On My Credit Report?
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