Use these customizable templates to dispute inaccuracies on your credit report. Remember to adjust the details to fit your specific situation and include any supporting documentation with your dispute.

• Choose the appropriate template based on your dispute reason.
• Fill in all the bracketed information with your personal details and specific dispute information.
• Attach a copy of your credit report with the disputed items clearly marked.
• Include copies (not originals) of any supporting documentation.
• Send your dispute letter via certified mail with return receipt requested for proof of mailing and receipt.
• Keep a copy of your dispute letter and all enclosures for your records.
• Follow up with the credit bureau if you don’t receive a response within 30 days.

• Be clear and concise in explaining your dispute.
• Provide as much supporting evidence, as possible.
• Stay organized by keeping copies of all correspondence and tracking important dates.
• Be patient but persistent in following up on your disputes.
• Consider disputing directly with the creditor as well as the credit bureau.

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]

[Credit Bureau Name]
[Credit Bureau Address]
[City, State, ZIP Code]

Re: Dispute of Credit Report Information

Dear Sir or Madam,

I am writing to dispute the following information in my credit report. The items I dispute are circled on the attached copy of the report I received.

The item(s) in question [identify item(s) disputed by name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.] is/are [inaccurate or incomplete] because [describe what is inaccurate or incomplete and why]. I am requesting that the item be [removed or corrected] to reflect accurate information.

Enclosed are copies of [describe any enclosed documentation, such as payment records, court documents, or identification] supporting my position. Please reinvestigate this matter and [delete or correct] the disputed item(s) as soon as possible.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the corrections have been made.

Sincerely,

[Your Signature]
[Your Printed Name]

Enclosures:
– Copy of credit report with disputed items circled
– Supporting documentation

1. Wait for the credit bureau’s response (typically within 30 days).
2. Review the results of the investigation carefully.
3. If the dispute is resolved in your favor, request that the credit bureau send notices of correction to anyone who received your credit report in the last six months.
4. If you disagree with the results, you may need to escalate your dispute or seek legal advice.

Use these customizable templates to dispute inaccuracies on your credit report. Remember to adjust the details to fit your specific situation and include any supporting documentation with your dispute.

• Choose the appropriate template based on your dispute reason.
• Fill in all the bracketed information with your personal details and specific dispute information.
• Attach a copy of your credit report with the disputed items clearly marked.
• Include copies (not originals) of any supporting documentation.
• Send your dispute letter via certified mail with return receipt requested for proof of mailing and receipt.
• Keep a copy of your dispute letter and all enclosures for your records.
• Follow up with the credit bureau if you don’t receive a response within 30 days.

• Be clear and concise in explaining your dispute.
• Provide as much supporting evidence, as possible.
• Stay organized by keeping copies of all correspondence and tracking important dates.
• Be patient but persistent in following up on your disputes.
• Consider disputing directly with the creditor as well as the credit bureau.

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]

[Credit Bureau Name]
[Credit Bureau Address]
[City, State, ZIP Code]

Re: Dispute of Credit Report Information

Dear Sir or Madam,

I am writing to dispute the following information in my credit report. The items I dispute are circled on the attached copy of the report I received.

The item(s) in question [identify item(s) disputed by name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.] is/are [inaccurate or incomplete] because [describe what is inaccurate or incomplete and why]. I am requesting that the item be [removed or corrected] to reflect accurate information.

Enclosed are copies of [describe any enclosed documentation, such as payment records, court documents, or identification] supporting my position. Please reinvestigate this matter and [delete or correct] the disputed item(s) as soon as possible.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the corrections have been made.

Sincerely,

[Your Signature]
[Your Printed Name]

Enclosures:
– Copy of credit report with disputed items circled
– Supporting documentation

1. Wait for the credit bureau’s response (typically within 30 days).
2. Review the results of the investigation carefully.
3. If the dispute is resolved in your favor, request that the credit bureau send notices of correction to anyone who received your credit report in the last six months.
4. If you disagree with the results, you may need to escalate your dispute or seek legal advice.