If you don’t agree with the information contained in their credit report, or even if the item(s) are questionable, you can send a dispute letter to the credit bureaus. By disputing an item, the credit bureau 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.
Note: Always include a photocopy of your driver’s license, state issued ID, or U.S. passport and a copy of your social security card, pay stub, W-2 or a recent utility bill. Only 2 forms of ID are required.
Below is a sample dispute letters. Please remember that these letters are just examples. They are intended to give you an idea about what a dispute letter should look like and what it should contain. Tailor your letter to your specific circumstances.
Writing a Credit Dispute Letter
When writing your dispute letter, please remember these simple rules:
- In most cases, it’s unnecessary to mention laws, procedures, court rulings, or threaten law suits, etc. The credit bureaus know the law.
- Similarly, remember to be kind. Combative language doesn’t help and could hurt. You’re not going to scare the credit bureaus into doing anything.
- Include copies of information that supports your claims, but remember, anything you send them can also be used against you. Do not send original documents.
- Make it clear which item or items on your credit report you dispute. It’s not always necessary to tell them why you are disputing. The burden of proof is on them.
- Credit bureaus are not obligated to investigate requests that appear frivolous. Make sure your letter is understandable and concise. It’s a good idea to proofread the letter before you send it.
Make Sure You Know What You’re Doing!
It’s extremely important that you do this right. I’ve worked with countless people who have made their credit even worse (in some cases much worse) because they didn’t know what they were doing. You can do irreversible damage to your credit by trying to save a few bucks doing it yourself. If you want to make sure it gets done right, let the professionals at Lexington Law take care of it for you. Call (800) 220-0084 for a free consultation and complimentary credit score.