Dispute Errors on Your Credit Report!!!

Did you know you can dispute items on your credit report.  State the facts, why it's wrong, and ask for it to be removed or corrected.  Enclosing a copy of the report or any information that shows it's incorrect is beneficial.

When you mail request it to go certified with the "return receipt requested" for your documentation.


Here is a sample to dispute Credit Errors to the Credit Bureaus from: http://www.consumer.ftc.gov
 
[Your Name]
[Your Address]
[Your City, State, Zip Code]
[Date]

Complaint Department
[Credit Bureau Name]
[Street Address]
[City, State, Zip Code]

Dear Sir or Madam:

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.

This item [identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.] is [inaccurate or incomplete] because [describe what is inaccurate or incomplete and why]. I am requesting that the item be removed [or request another specific change] to correct the information.

Enclosed are copies of [use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents] supporting my position. Please re-investigate this [these] matter[s] and [delete or correct] the disputed item[s] as soon as possible.

Sincerely,

Your name

Enclosures: [List what you are enclosing.]