This is a sample credit report dispute letter that you can send to credit bureaus. It can be used for an equifax experian or transunion dispute.
Transunion llc consumer dispute center p o.
Dispute letter sample to the credit bureaus. You may consider return receipt requested for proof that the credit reporting company received it. Below is a sample dispute letter disputing a credit card account. Name of source type of item account number or identifier.
Collection of dispute letter to credit bureau template that will perfectly match your demands. Download our sample letter and instructions to submit a dispute with. Let me go over how to remove these.
Box 2000 chester pa 19016 4. I am writing to dispute the following information in my file. A creditor writes the dispute letter to credit bureaus as to mention the mistakes of the payment from the credit agency side.
Use this sample to draft a letter disputing errors on your credit report. It s intended to give you an idea of what a credit report dispute letter should look like and what it should contain. The credit report dispute letter is used to remove an invalid collection from a person s credit history that was either paid falsely listed or if the debt is more than 7 years old.
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. Sample credit report dispute letter. All three credit reporting bureaus equifax experian and transunion accept dispute requests online standard mail and by phone.
Date your name your address your city state zip code name of credit bureau address city state zip code dear sir ma am. 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. When creating an official or business letter presentation design and format is essential to earning a great impression.
If you send any information with the letter send copies and keep your originals. The dispute can be expressed through a letter especially when it concerns credit bureau. You may want to enclose a copy of your report with the items in question circled.
Please remember that it s just an example. A dispute is but a normal occurrence in the business world but we do have ways to settle down such issues. Sample letters to dispute information on a credit report.
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. Replace the bold statements with your information. Keep a copy of the letter for your records.
Any valid or recent collection or recent late payments cannot be removed from your credit report with a credit bureau dispute letter. 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.
Mail the dispute form with your letter to.