Credit Report Dispute Letter #1 (View Letter)
Your credit reports contain inaccurate, erroneous, outdated, misleading or unverifiable information that is hurting your credit score.
Your personal credit history is one of your most important assets and should be guarded carefully. Any information that is inaccurate should be corrected so that potential creditors, employers, insurance companies and other organizations see an accurate picture of your credit profile when they request copies of your personal credit reports.
You can have inaccurate information corrected by sending the credit reporting agencies (CRA) a written request that outlines exactly what needs to be corrected. The easier you make it for CRAs to verify your dispute as legitimate the quicker you can correct your credit profile.
WARNING! Accurate and timely information cannot be removed from your personal credit reports! Use the free sample letter below only if you believe the information you are disputing is inaccurate! Use the sample dispute letter below to write your own personal dispute letter. Remember, when disputing information on your credit reports it's important to use specific words such as erroneous, outdated, misleading, or unverifiable. Just stating why you failed to pay the debt will not compel credit reporting agencies to launch an investigation into your dispute. Feel free to print this page, or copy and paste the text into a word processor. If neither option works for you, then use this to have Rich send you a free copy of this letter in Microsoft Word format.
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Free Sample Letter
Correct Inaccurate information in your Personal Credit Profiles
Today's Date
Your Full Name
Current Address
Current Phone Number
Attention: {insert credit reporting agency name} See addresses below
{add CRA address here}
Dear {credit reporting agency}
This letter is a formal request to correct inaccurate information contained in my credit file. The item(s) listed below is/are completely (insert appropriate word(s) {inaccurate, incorrect, incomplete, erroneous, misleading, outdated} ). I have enclosed a copy of the credit report your organization provided to me on {insert date of report here} and circled in red the item(s) in question.
Line Item: {insert name of creditor, account number or line item number)
Item Description: (this info is found on your credit report)
Requested Correction: (describe exactly what you want. If you want an item deleted say so and explain why. If you want an item corrected or updated, provide the correct information such as names, dates, amounts and so forth and any evidence to support your claim).
In accordance with the federal Fair Credit Reporting Act (FCRA), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately {delete, update, correct} the item.
Furthermore, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months.
If your investigation shows the information to be accurate, I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act.
I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at (insert daytime phone number including area code).
Sincerely,
Signature
Your Printed Name
Credit Bureau Dispute Addresses
Experian:
National Consumer Assistance Center
PO Box 2002 Allen, TX 75013TransUnion: (Eastern United States)
TransUnion
P.O. Box 2000
Chester, PA 19022TransUnion: (Western United States)
P.O. Box 34012
Fullerton, CA 92831TransUnion: (Puerto Rico)
TransUnion
Puerto Rico Consumer Relations
P.O. Box 13968
Santurce Station San Juan, PR00907-3968
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