Credit Report Dispute Template

Your report contains a consumer identification or report number that should be included with your dispute to allow the credit reporting company to identify you.

Credit report dispute template. Disputing refer to your credit report so that you can correctly and fully identify the information that you are disputing. Use this sample to draft a letter disputing errors on your credit report. If disputing erroneous data with the credit reporting agencies hasnt generated the desired results your next step may be to write whats known as a 609 letter to the credit reporting agencies. Increasing your fico is easy with this template to dispute credit report letter to get bad marks wiped clean.

If so us e this form to contact the credit bureau experia n equifax or trans union that. You can also include any proof you have that supports your dispute. In the letter you can explain why you believe the items are inaccurate and provide any supporting documents. Complaint department name of credit bureau address city state zip code.

Your letter should clearly identify each item in your report you dispute state the facts and explain why you dispute the information and request that it be removed or corrected. You may want to enclose a copy of your report with the items in question circled. One of the most important powers you have as a consumer of credit is the power to utilize a credit dispute letter to dispute any items on your credit report. You may want to enclose a copy of your credit report with the items in question circled.

Simply follow the instructions prov ided then mail the form to the appropriate credit bureau. The credit report dispute letter is used to remove an invalid collection from a persons credit history that was either paid falsely listed or if the debt is more than 7 years old. For instance you can send a copy of canceled check showing that you actually made a payment on time. All three credit reporting bureaus equifax experian and transunion accept dispute requests online standard mail and by phone.

There is no charge for submitting a dispute. Found inaccu racies in your report. Credit report dispute form. Date your name your address your city state zip code.

Credit report dispute form template. When you send a credit report dispute make sure to keep a copy of the letter for your records. Keep copies of your dispute letter and enclosures. Send your letter by certified mail return receipt requested so you can document that the credit bureau received your correspondence.