Credit Repair Help
 

Credit Report Dispute Letter

Below is a sample credit report dispute letter. Writing a dispute letter to a credit company can be a difficult task if you have never written a credit dispute letter. When your credit report contains errors, you should definitely write a credit report dispute letter to the credit bureaus. There are many variations of the dispute sample credit bureaus letters, below is an example of a credit report dispute letter that can be used to request reinvestigation of items on your credit report.

 

________________________________________
________________________________________
________________________________________

Date: ___________________

 


This is a request for you to reinvestigate the following items which appear on my credit report:

[  ] The following personal information about me is incorrect:

Erroneous Information    Correct Information
___________________________________________________________
___________________________________________________________

[  ] The following accounts are not mine:

Creditor's Name   Account Number  Explanation
___________________________________________________________
___________________________________________________________

[  ] The account status is incorrect for the following accounts:

Creditor's Name   Account Number  Correct Status
___________________________________________________________
___________________________________________________________

[  ] The following information is too old to be included in my report:

Creditor's Name   Account Number  Date of Last Activity
___________________________________________________________
___________________________________________________________

[  ] The following inquiries are older than two years:

Creditor's Name     Date of Inquiry
___________________________________________________________
___________________________________________________________

[  ] The following inquiries were not authorized:

Creditor's Name   Date of Inquiry   Explanation
___________________________________________________________
___________________________________________________________

[  ] The following accounts were closed by me and should say so:

Creditor's Name     Account Number
___________________________________________________________
___________________________________________________________

[  ] Other incorrect information:

Explanation
___________________________________________________________
___________________________________________________________

I understand that you will check each item, above, with the credit grantor reporting the information, and remove any information the credit grantor cannot verify. I further understand that under 15 U.S.C. Sec. 1681i(a), you must complete your reinvestigation within 30 days of receipt of this letter. Thank you for your attention to this matter.

Sincerely,

_________________________________________
[your signature]

Name:    ________________________
Address: ________________________
            ________________________
Home phone: ____________________

Social Security number: ______________

Enclosures: ____[list, if any]____

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