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This guide provides information and tools you can use if you believe that your credit report contains information that is inaccurate or incomplete, and you would like to submit a dispute of that information to the credit reporting company.
A credit report dispute letter allows consumers to challenge inaccurate, incomplete, or outdated information on their credit reports. This document can allow you to correct any mistakes in your credit history, which can help you take charge of your credit rating and financial future.
If you want to dispute information on a credit report, you may need to send a dispute letter to both the institution that provided the information, called the information furnisher, as well as the credit reporting company. Download our sample letter and instructions to submit a dispute with an information furnisher.
Use this sample letter to dispute incorrect or inaccurate information that a business supplied to credit bureaus. Your letter should identify each item you dispute, state the facts, explain why you dispute the information, and ask that the business that supplied the information take action to have it removed or corrected.
Our free credit report dispute letter templates help you write effective dispute letters so you can get negative items removed from your credit file. One well-written letter could be the key to cleaning up your credit report.
A credit report dispute letter is used to remove an invalid collection from a person's credit history that was either paid, falsely listed, or if the debt is more than seven years old. By law, the credit bureau must give a response within 30 days upon receiving notice.
You may print out and complete a dispute form and enclose it with your letter. Or simply list out each item on your credit report that you believe is inaccurate along with the account number and the reason you believe the information is incorrect. Be as specific and factual as possible.
Credit Report Dispute Letter Template. A credit report dispute letter is a one (1) page document sent to the major credit reporting bureaus to request the removal of incorrect information on a credit report.
Writing a letter to dispute credit report information gives you a record of your dispute that you can use if you later have to file a lawsuit against the credit bureau.
One way to fix an error on your credit report is to write a credit dispute letter and mail it to one or more credit bureaus. A sample letter outlines what to include.