Here s our credit dispute letter sample template. Use this letter to request an update to or removal of inaccurate information on your credit report.
Let me go over how to remove these.
Dispute letter sample for credit report. Mail the dispute form with your letter to. Tell the credit bureau in writing what information you believe is inaccurate. Any valid or recent collection or recent late payments cannot be removed from your credit report with a credit bureau dispute letter.
Use this sample to draft a letter disputing errors on your credit report. Sample letter for disputing errors on your credit report. Sample letters to dispute information on a credit report.
For recent late payments within the last 2 years or on open accounts the only way to get these expunged is by utilizing the direct creditor dispute method. I am writing to dispute the following information in my file. It s intended to give you an idea of what a credit report dispute letter should look like and what it should contain.
All 3 of the credit bureaus now accept filing of disputes online with experian only accepting online submissions. This mistake can unfairly make the credit score lower which will adversely affect the person s attempts to get a credit card car loan rent an apartment or buy insurance. It can be used for an equifax experian or transunion dispute.
This is a sample credit report dispute letter that you can send to credit bureaus. Please remember that it s just an example. Keep a copy of the letter for your records.
Below is a sample dispute letter disputing a credit card account. Sample letter of explanation to dispute credit report. Include copies not originals of.
Transunion llc consumer dispute center p o. Replace the bold statements with your information. Sample credit report dispute letter.
Name of source type of item account number or identifier. A credit report dispute letter should be sent to the credit reporting agency cra if there are any inaccuracies on a person s credit report. Download our sample letter and instructions to submit a dispute with.
If you want to dispute information on a credit report you may need to send a dispute letter to both the institution that provided the information called the information furnisher as well as the credit reporting company. A federal sample letters to dispute credit report errors read more. Date your name your address your city state zip code name of credit bureau address city state zip code dear sir ma am.
To find out how to initiate a dispute online click here. Box 2000 chester pa 19016 4. Credit report dispute letter date name of debtor street address city state zip code name of credit bureau street address city state zip code dear credit bureau i name of debtor have written this letter to dispute a claim that is falsely listed on my credit report with your bureau.
You may consider return receipt requested for proof that the credit reporting company received it. Your letter should clearly identify each item in your report you dispute state the facts and explain why you dispute the information and request that it be removed or corrected. If you send any information with the letter send copies and keep your originals.