Sample Credit Report Dispute Letter

Your Name
Your Address, City, State, Zip Code
Complaint Department
Name of Company

Credit Bureau Address
City, State, Zip Code
Dear Sir or Madam:

I recently obtained a copy of my credit report from your agency and found the following item to be in error:

Item 1: I dispute [ABC credit card] account number [555111]. This account has been paid in full.

I am requesting that the item be [removed, updated, or other suggested change] to correct the information.

Enclosed are copies of [use this statement if you have bank statements, canceled checks, or other documentation] supporting my position.

Please investigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Your name
Enclosures: [List the documents you are enclosing. If none, do not include this section].

Tips for Sending Your Credit Report Dispute

When you send a dispute, make sure to keep a copy of the letter for your records. You can also include any proof you have that supports your dispute. For instance, you can send a copy of canceled check showing that you actually made a payment on time. Send copies of your proof and keep the originals for yourself.

Credit bureaus typically have 30 days to investigate your dispute and respond to you. To track the time accurately, send your letter via certified mail. You’ll have proof of the date you mailed the dispute letter and you’ll be able to track the time the credit bureau receives your letter. You might also consider sending the letter with a return receipt request. A representative from the credit bureau signs the return receipt and it’s mailed back to you, giving you additional proof that your dispute was received.

What if I have already damaged my credit.  How do I fix my credit?

Remember, if you get into trouble with your credit, you can Negotiate with your Creditors.  It just takes some time and patience and you can be on your way to having great credit again.

Sample Credit Dispute Letters


Sample Credit Dispute Letter sent to Credit Bureaus

Sample Credit Dispute Letter to send to Collectors and Individual Companies

Sample Debt Validation Letter

Sample Paid Account Dispute Letter

Examples of Dispute Letters

Make Sure Your Disputes Are Legitimate

Be sure you don’t do anything to make the credit bureaus think your credit report disputes are frivolous. Don’t dispute everything on your credit report and absolutely do not send all your disputes at once. If you dispute the same item more than once, you should give a different reason for each dispute, so the credit bureau doesn’t think you’re sending duplicates. The credit bureau has the right to deem your disputes frivolous and if that happens, the bureau also has the right to reject your dispute.