When consumers don’t agree with the information contained in their credit report, they have to send letters to the credit reporting bureaus which dispute the items and force the credit bureau to correct them or delete them from the record. 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 are a few dispute letters. Please remember these letters are just samples. They are intended to give ideas 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 can’t scare credit bureaus into taking a mark of your score.
- Include copies of information that supports your claims. Do not send original documents.
- Make it clear which item or items on your report you dispute and why.
- 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 have someone else read the letter before you send it.
- Send the letter certified mail, return receipt requested, and keep the receipt for your records.
Don’t Have Time to Write A Credit Dispute Letter?
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 or fill out the form below and a representative will call you shortly.