Sample Dispute Letter
Here is a sample dispute letter you can use when your credit report shows discrepancies
Date
 

(Your Information)

Name Address City, State, Zip Code

Complaint/Dispute Department Name of Credit Reporting Bureau Address City, State, Postal Code

To Whom It May Concern:

Attached you will find a copy of a report I received. The items of dispute are circled on the attached copy of the report I received.

1.) (Detail the disputed items in a list with the credit account, name of the creditor the type of item, such as credit account or judgment etcetera)

This above item is (inaccurate) because (detail what item is inaccurate or incomplete and why). I am requesting that the above named item be removed or corrected (or state the specific change).

Attached you will find copies (describe any enclosures that depict a record of payments or any court documents) which demonstrate my position. Please research this issue and (remove or amend) the disputed item(s) as soon as possible.

Regards,

Your name

Enclosures: (List what you are enclosing)

Remember to include duplicates (only) of the documents that corroborate the correction.

Holly Bentz is a finance writer and a contributor to About Personal Loans.
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