Dispute Templates


Remember, people with better credit scores WILL get the lower interest rates on their loans. Use these dispute template letters to take action and start cleaning up your credit issues now.

If you feel that you need additional assistance to overcome your credit challenges, contact CRC for a free professional consultation.

Click Here to Download Instructions on How To Dispute With The Credit Bureaus

Credit Bureau Contacts

Dispute Letters to Credit Bureaus

Following is a list of 15 of the most common dispute reasons. If any of these apply to the information being reported on your credit report, you should consider the item negative and ask for correction or removal. Click on the reason to access the template letter.

  1. This account does not belong to me
  2. I was not 30, 60, 90 or 120 days late on this account
  3. This is a duplicate account
  4. This account is closed/open
  5. You are not reporting the correct limit on my account
  6. You are not reporting a positive account on my credit report
  7. This collection/charge-off was paid
  8. I never authorized this inquiry (Letter to Credit Bureau)
  9. I never authorized this inquiry (Letter to Creditor)
  10. This public record has been satisfied/released/dismissed/vacated
  11. The 7-year reporting period has expired on this account
  12. You are reporting wrong/expired/misspelled addresses on my credit report
  13. You are reporting misspelled/wrong names on my credit report
  14. You are reporting the wrong birthdate on my credit report
  15. I am an authorized user on this account. Please remove it

Other Template Letters 

  • Opt-Out - Use this template provides contact information to request the consumer to be removed from marketing lists.
  • Request for Free Report following Denial - If you have been denied credit, the credit bureau is required to provide you with a free copy of your credit report.
  • Change of Address - Inconsistent address information can cost you score points. Use this letter to request that the credit bureaus update your address information.
  • 30-Day No Response – Use this letter as a second request for removal of derogatory information.
  • ChexSystems Letter - For use when consumer has been denied a checking account.
  • Validation of Debt Letter - Send this letter to a collection agency or debt collector asking them to send you valid proof of a debt