Please understand these are only samples and are not to be used word-for-word. You should always consult a lawyer when drafting a credit dispute letter that can have a lasting impact on your credit. Still, you should still be familiar with the process on your own. It requires creditors to report complete and accurate information to the credit bureaus. This will give you an overview of what rights you have. When done correctly, you can see quick and effective results and start getting access to better interest rates and terms.
How to write a credit dispute letter that really works
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Use this sample to draft a letter disputing errors on your credit report. Your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your report with the items in question circled. Remember to include copies of the applicable enclosures and save copies for your files. I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.
By disputing an item, the credit reporting agencies are obligated by law to investigate. They must either verify, correct, or delete the item from your record within 30 days. This type of letter is called a credit dispute letter. You can also send dispute letters directly to your creditor.
Many or all of the companies featured here provide compensation to us. These commissions are how we maintain our free service for consumers. Learn more. However, it needs to be done the right way to have a chance. This is not a time to lash out at the creditor or blame anyone else.