Credit report dispute letter example

A Good Example of a Dispute Letter

 

Don't forget to send a copy of any document or paper you have that proves the item(s) you are disputing are erroneous. Sending proof of error will definitely speed up the process. Also send a copy of the credit report in question with the dispute item(s) highlighted. Anything you can do to make it easier for the overworked credit bureau employees will help you in the end.

For your records, it is important that you keep careful note of your communication with the credit bureau. Date everything.

The following letter is short and simple; it gets to the point in a businesslike manner and calls for action on the part of the credit bureau.

John/Jane Doe
123 Main St.
Anytown, XX 98765
(555) 555-5555
SSN: XXX-XX-XXXX

Equifax Credit Information Services, Inc
P.O. Box 740241
Atlanta, GA 30374

January 1, 2007

To Whom It May Concern:

Upon reviewing my current credit report from your bureau, I came across the attached highlighted item, and I don't think it is mine. Would you please remove this item from my credit report?

Thank you for your assistance in this matter.

Sincerely,

[signature goes here]

John/Jane Doe

A Matter of Time

 

If you don't have the time or energy to repair your credit reports yourself, there are alternatives. A reputable credit repair company can help you get your report cleared up. A professional will know exactly how to talk to the bureaus and will help you get the best and quickest results.

Writing a convincing dispute letter to the credit bureaus doesn't necessarily have to be difficult. By following this guide, you should get good results. Your credit report will probably become smaller, cleaner, and simpler. With any luck, you will end up with a higher credit score, which means you'll keep more of your hard-earned money in your pocket instead of your creditors'. That's definitely worth sending a letter or two!

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