Up next in Credit & Credit Cards (16 videos)
Save money and stay out of debt with the advice in this Howcast video series about credit and credit cards.
You Will Need
- Original documents
- A copy machine
- Your letter
- A post office return receipt
Make copies of credit report and related documents
Make copies of your credit report and all support documents, such as payment records, cancelled checks, and court documents.
Start letter with your contact information
Start your credit report dispute letter with your contact information, including your complete name and address, e-mail address, and your social security number.
Include consumer reporting company’s contact info
Include a paragraph with the name and address of the consumer reporting agency's complaint department or the name and address of the creditor that provided the incorrect information on your credit report.
Clearly describe each incorrect credit report item
LIst and clearly describe each incorrect item in the credit report. For example, "Item #1: I dispute XYZ Bank. My account number is 12345. I have never been late on this account."
Request disputed items be corrected or removed
Request that the consumer reporting company or creditor entity correct or remove the disputed items from the credit report.
Send letters by certified mail with return receipt
Go to the post office and send the credit dispute letters by certified mail with a return receipt request. This serves as a means to track the letters.