Dispute Template Letter – General

NOTE: Use this letter to dispute inaccurate information on your credit report(s).  Remember:  Only send this letter to the bureau(s) that are reporting the derogatory information.  If you send this letter to one of the three bureaus that is NOT reporting the information, you take the risk of having the derogatory information added to that bureau report.  Send proof of current address, proof of social security number, and send all correspondence via certified mail.)

[[Date]]

[[Credit Bureau Name]]
[[Address]]
[[City, State, Zip]]

Dear [[Credit Bureau Name]]:

I recently pulled a copy of my credit report on-line and found that you are reporting the following inaccurate information in my file that is negatively affecting my credit score.  

Creditor:  [[Creditor Name]]

Account Number:  [[Account #]]

Account Rating:  [[30 Days Late, Collection, Charge-Off, etc]] 

Reason: [[List here the reason why the account should be removed (i,e- not mine, never late, etc.  Also, if you have documents to prove your claim, mention here that you are attaching them to this letter.]]

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days.  My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 

I look forward to receiving an updated copy of my credit report reflecting the above correction.  Thanking you in advance.

Sincerely,

[[Your Name]]
[[Your Address]]
[[Your SS#]]
[[Your DOB]]