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How to Write a Credit Dispute Letter

Errors on your credit report can hurt your chances of establishing credit, getting a bank loan, and getting hired for a job. To correct your report, write an effective dispute letter.


  • Step 1: 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.
  • TIP: Do not enclose original documents with your credit dispute letter. They can get lost.
  • Step 2: 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.
  • Step 3: 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.
  • TIP: There are three nationwide consumer reporting companies: Experian, TransUnion, and Equifax.
  • Step 4: 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."
  • TIP: Circle all disputed information on the enclosed copies of your credit report.
  • Step 5: 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.
  • Step 6: 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.
  • FACT: The Fair Credit Reporting Act requires that each of the national consumer reporting companies provide you with a free credit report once every 12 months upon your request.

You Will Need

  • Original documents
  • A copy machine
  • Your letter
  • A post office return receipt

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