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No shame ✦ Just numbers ✦ Read the letter ✦ Dispute the error ✦ Know your rights ✦ Build the score ✦ Hold the line ✦ Live within means ✦ Pay yourself first ✦ Credit, proudly ✦
No shame ✦ Just numbers ✦ Read the letter ✦ Dispute the error ✦ Know your rights ✦ Build the score ✦ Hold the line ✦ Live within means ✦ Pay yourself first ✦ Credit, proudly ✦
cp Credit Proud
Credit reporting

Credit report dispute letter template.

A practical letter for disputing inaccurate or incomplete information with a credit reporting company.

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]