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Below is a simple sample letter that you should use as reference when disputing errors on your credit report.

-----------the letter starts below this line-------------------

Current Date

Name of Credit Bureau (Experian, Equifax, Trans Union)
Address of Credit Bureau

To Whom It May Concern:

A recently ordered copy of my credit report reflects inaccurate and/or outdated information being reported by your company. This letter is a request that you investigate the ensuing items and take action within 30 days of your receipt of this letter, in accordance with the Fair Credit Reporting Act, 15 USC section 1681i.

Enclosed is a copy of my credit report as well as necessary materials that will support my claim.

  ** The sections below should be utilized as needed. You should fill in the proper  indicated in parentheses:

The account below should not be listed on my credit report:
(creditor name, account#, explanation/reason why the account should be eliminated: i.e. outdated, not you, etc.)

The following inquiry should not be listed on my credit report:
(creditor name, date of inquiry, explanation/reason why the inquiry should be eliminated: i.e. older than 2 years, not authorized, other)

My personal information is incorrect:
(you should list the incorrect information and provide them with the corrected info)

The account below is listed incorrectly and needs to be fixed:
(creditor name, account#, explanation/description of what is erroneous and how it should be amended)

The account below has been closed as per my request, but is not being reported correctly on my credit report:
(creditor name, account#, evidence of closure)

Once the information has been corrected by your company, I would like you to send me an updated, corrected credit report to me and to anyone else that has asked for a copy of my credit file in the last six months.  If your company does not take action to my appeal within 30 days, I will assume that the information is not able to be verified by your company. Therefore the information should be immediately removed by your company.

(sign your name here)

(type your full, legal name)
(home number)
(work number)
(social security number)

If you need assistance with your dispute letter. Please contact us. Writing a sample letter may no sufficient. There is a possibility that you will have to write a follow-up dispute letter.

Print out a sample dispute letter.

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