When to use it
- A credit report lists an account, balance, status, date, or personal detail that does not match your records.
- You have documents that support the correction you are requesting.
- You want a paper trail for the date and content of the dispute.
Before sending
- Use your official credit report to identify the exact bureau, item, and account number.
- Circle or list the disputed item and include copies of supporting documents.
- Send a separate dispute to the company that supplied the information when appropriate.
Template
Editable text
[Your name] [Your mailing address] [City, state ZIP] [Date] [Credit reporting company name] [Credit reporting company mailing address] Re: Credit report dispute To whom it may concern: I am disputing the following information on my credit report because I believe it is inaccurate or incomplete: Item disputed: [Company/account name] Account number: [Partial account number shown on report] What is wrong: [Explain the specific error] Requested correction: [Delete, correct, update, or mark as disputed] I have enclosed copies of documents supporting my dispute. Please investigate this item and send me the results of your investigation. Sincerely, [Your name] Enclosures: [List copies of documents included]