Credit Report Dispute Letters - Index

Use these sample letters to dispute inaccurate, erroneous, outdated, misleading and unverifiable information in your personal credit reports.

When writing your own dispute letters, it's important to use specific words such as erroneous or outdated or unverifiable so the credit reporting agencies will be motivated to actually investigate your claim. Merely explaining why a debt was not paid might not constitute a dispute. You must give solid reasons to accept your written dispute, otherwise the credit bureau may just dismiss your dispute as frivolous.

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Initial Dispute Letter	Remove Outdated Information	Credit Report Inquiries
Follow-up Dispute Letter	CRA Remove Illegal Inquiries	Credit Report Dispute Procedures
Explain Negative Items in Credit Reports	Creditors Remove Illegal Inquiries	Complain to the FTC
Request Free Credit Report	Credit Bureaus Contact

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Correcting your own credit files can be time consuming and frustrating but well worth the effort. Simple things like correcting personal information, and having outdated information and unauthorized credit report inquires removed from your credit reports can dramatically improve your credit scores.

IMPORTANT! Under most circumstances, credit bureaus do not remove Accurate and Timely information from personal credit reports! These free letters are provided as examples to help consumers write their own credit report dispute letters to get outdated information and unauthorized credit report inquires removed from their credit reports for the purpose of improving credit scores.