Credit Repair Letter Sample For Credit Report Disputes

Credit Repair Letter Sample / Credit Report Dispute Letter

Once you order your free annual credit report, be sure to check it carefully. It is very common to find errors, or outdated information in your credit reports. For instance, any late payment information should only stay on your credit report for 7 years. If you find any records that are more than 7 years old, you can ask the credit report agency to remove it.

You can find many sample credit report dispute letters online. Be very careful when you use them. Make sure you do not copy and paste them word for word. If you use a sample letter that is flowing around online and being used by many many people, credit report agencies would recognize the letter and they can reject your credit dispute because they think it is frivolous.

Here is a sample credit repair letter you can use. Make sure to change it around to fit your situation. Also, don’t forget to include a copy of your credit report when you send the letter to the credit report agencies with the inaccurate records circled.

Date
Your Name
Your Address
Your City, State, Zip Code

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

Dear Sir or Madam:
I am writing to dispute the following information in my file. The items I dispute also are circled on the attached copy of the report I received.

This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or request another specific change) to correct the information.

Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents) supporting my position. Please investigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Sincerely,
Your name

Enclosures: (List what you are enclosing)

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Credit Report Disputing – Should you do it online or send the credit bureaus a letter?

If you have recently get a free credit report and find errors in your credit report, you should definitely dispute the errors with the credit bureaus. It is very common to have errors or any inaccurate information in your credit report, .

All credit bureaus allow you to dispute errors online directly from their websites. If you conduct credit report disputing online, you will choose which items on your credit report you want to dispute and select one of the reasons why the record is inaccurate. Some credit bureaus give you more reasons than the others.

The problem with this is you are not able to provide any proof that support your position.

Federal Trade Commission recommends doing credit report disputing offline by sending the credit bureau a letter along with the proofs that you have to support your position. Your letter should clearly state which items you are disputing, and why. You should also tell them what you what them to do, such as update the information, or delete it entirely. The best way is to include a copy of your credit report with the incorrect record circled.

You should also send your letter by certified mail, return receipt requested, so you can track when the credit reporting agency receive your letter. Once they receive your letter, they have 30 days to investigate.

Credit report disputing can take a while. If you plan to purchase a home or a car in the near future, be sure to get a copy of your credit report early in advance to make sure you do not have to dispute any errors.