Once you have reviewed a copy of your credit report, you will need to dispute any information that is inaccurate or incorrect.  This process can be done by mailing letters with your disputed information, detailing the discrepancy, and providing documentation, to whichever of the three credit bureaus has the incorrect data.  We strongly recommend sending support documentation to the credit bureaus when available.  For example, if there is a collection account listed with an outstanding balance, include a copy of the paid receipt with your dispute letter.

The credit bureaus generally will send you a letter stating that they have received your request and then a follow-up letter explaining their findings.

For your convenience, the letters below can be individually copied and pasted into any word document processing software.  Once you have the letters formatted in your software, complete the bottom portion of the letter with your full name, home address, social security number and date of birth.

Some things to remember:

• make sure to include the account name and number you are disputing
• be sure to include your personal information (bottom or letter) along with your signature
• we recommend sending each letter return-receipt so that you have a record of when each dispute letter was received by the credit bureau
• send supporting documentation when available

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[today's date here]

Trans Union Corporation
P.O. Box 34012
Fullerton, CA  92834

Request to Dispute Account Information on My Credit File

I currently received my credit reported and located the following problems of inaccurate reporting.

• [credit info detailed here]
• [credit info detailed here]
• [credit info detailed here]

Under the provisions of the Fair Credit Reporting Act (FCRA) and the timeframe allowed, please re-investigate and delete/correct this information. Please send me the names and the addresses of the persons contacted. I shall assume that thirty days constitutes a "reasonable time" to complete the actions unless you notify me otherwise immediately. It should be understood that failure to verify within this time constitutes non-verification and these items must be promptly deleted according to Section 611(a).

Also according to Section 611(d) of the Fair Credit reporting Act, please send me notification that the items have been deleted. Send an updated copy of my credit report to the below address. According to the provisions of Section 612, there should be no charge for notification of changes on my credit report.

Sincerely,

Full name:
Home Address:
Social Security Number:
DOB:

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[today's date here]

Equifax Information Services
P.O. Box 740241
Atlanta, GA 30374-0241

Request to Dispute Account Information on My Credit File

I currently received my credit reported and located the following problems of inaccurate reporting.

• [credit info detailed here]
• [credit info detailed here]
• [credit info detailed here]

Under the provisions of the Fair Credit Reporting Act (FCRA) and the timeframe allowed, please re-investigate and delete/correct this information. Please send me the names and the addresses of the persons contacted. I shall assume that thirty days constitutes a "reasonable time" to complete the actions unless you notify me otherwise immediately. It should be understood that failure to verify within this time constitutes non-verification and these items must be promptly deleted according to Section 611(a).

Also according to Section 611(d) of the Fair Credit reporting Act, please send me notification that the items have been deleted. Send an updated copy of my credit report to the below address. According to the provisions of Section 612, there should be no charge for notification of changes on my credit report.

Sincerely,

Full name:
Home Address:
Social Security Number:
DOB:

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[today's date here]

Experian
National Consumer Assistance Center
P.O. Box 2002
Allen, TX 75013

Request to Dispute Account Information on My Credit File

I currently received my credit reported and located the following problems of inaccurate reporting.

• [credit info detailed here]
• [credit info detailed here]
• [credit info detailed here]

Under the provisions of the Fair Credit Reporting Act (FCRA) and the timeframe allowed, please re-investigate and delete/correct this information. Please send me the names and the addresses of the persons contacted. I shall assume that thirty days constitutes a "reasonable time" to complete the actions unless you notify me otherwise immediately. It should be understood that failure to verify within this time constitutes non-verification and these items must be promptly deleted according to Section 611(a).

Also according to Section 611(d) of the Fair Credit reporting Act, please send me notification that the items have been deleted. Send an updated copy of my credit report to the below address. According to the provisions of Section 612, there should be no charge for notification of changes on my credit report.

Sincerely,

Full name:
Home Address:
Social Security Number:
DOB:

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