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Credit Repair Dispute Letter
Here's a template for a credit report dispute letter that you can use to address credit bureaus:
[Your Name]
[Your Address]
[City, State, Zip Code]
[Your Phone Number]
[Your Email Address]
[Date]
Credit Bureau Name
Credit Bureau Address
City, State, Zip Code
Subject: Dispute of Inaccurate Information in Credit Report
Dear [Credit Bureau Name] Customer Service,
I am writing to dispute specific information in my credit report, as it appears to be inaccurate. My credit report identification number is [Credit Report Number, if applicable]. I have attached a copy of my report with the disputed items highlighted for your reference.
Details of Dispute:
- Account Name and Number: [Name of creditor, account number]
- Disputed Information: [Describe the inaccurate information, such as payment status, balance, etc.]
- Explanation: [Briefly explain why you believe the information is incorrect, e.g., “I paid this account in full on [Date].”]
- Account Name and Number: [Name of creditor, account number]
- Disputed Information: [Describe the inaccurate information]
- Explanation: [Briefly explain the reason for dispute]
Please investigate these matters with the creditor(s) and, if necessary, update my credit report to reflect accurate information. Under the Fair Credit Reporting Act, I am entitled to an accurate and fair credit report, and I expect your investigation to be completed within 30 days of receipt of this letter.
Enclosed, you will find copies of documents supporting my claim, including [list of enclosures, such as payment receipts, letters from the creditor, etc.].
Please send me an updated copy of my credit report once the investigation is complete. If you need any additional information to complete your investigation, please contact me at the address or phone number above.
Thank you for your prompt attention to this matter.
Sincerely,
[Your Name]
Enclosures: [List any documents you’re including, such as copies of your credit report, payment records, etc.]
This letter serves as a formal dispute under the Fair Credit Reporting Act (FCRA). Make sure to send it by certified mail for a tracking record, and keep copies of everything for your own records.