Sample Credit Report Dispute Letter

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The information in your credit report has a significant impact on your life. It affects your ability to get approved for credit cards and loans, including a mortgage and auto loan. It's important to make sure that your credit report contains only accurate and current information. Check your credit report a minimum of once a year to verify the information in it. If you find errors in your credit report, you have the right to dispute those errors with the credit bureau.

While you're allowed to dispute credit report errors online, you may prefer to dispute by mail. Writing a letter to dispute credit report information gives you a record of your dispute that you can use if you have to later file a lawsuit against the credit bureau. For example, you may be able to sue a collector who fails to update your credit report or who does not correct your information within the timeframe outlined in the Fair Credit Reporting Act.

This is a sample credit report dispute letter that you can send to credit bureaus. Use this letter to request an update to or a deletion of inaccurate information on your credit report. Replace the [bold statements] with your information. 

Sample Credit Report Dispute Letter

Your Name
Your Address, City, State, Zip Code
Complaint Department
Name of Company
Credit Bureau Address
City, State, Zip Code
Dear Sir or Madam:

I recently obtained a copy of my credit report from your agency and found the following item to be in error:

Item 1: I dispute [ABC credit card] account number [555111]. This account has been paid in full.

I am requesting that the item be [removed, updated, or other suggested change] to correct the information.

Enclosed are copies of [use this statement if you have bank statements, canceled checks, or other documentation] supporting my position. Please investigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Your name
Enclosures: [List the documents you are enclosing. If none, do not include this section].

Tips for Sending Your Credit Report Dispute

When you send a credit report dispute, make sure to keep a copy of the letter for your records. You can also include any proof you have that supports your dispute. For instance, you can send a copy of canceled check showing that you actually made a payment on time. Send copies of your proof and keep the originals for yourself.

Credit bureaus typically have 30 days to investigate your dispute and respond to you. To track the time accurately, send your letter via certified mail. You'll have proof of the date you mailed the dispute letter and you'll be able to track the time the credit bureau receives your letter. You might also consider sending the letter with a return receipt request. A representative from the credit bureau signs the return receipt and it's mailed back to you, giving you additional proof that your dispute was received.