A Sample Credit Dispute Letter

To copy and paste the sample letter into Word, simply click the letter within the text box, press Ctrl+C at the same time (copy), create a new document in Word or other word processing program, and press Ctrl+V (paste). The text will appear in your document.

Today's Date
						
Your Name
Your Address
Your City, State, Zip Code

Complaint Department
Name of Credit Bureau or Company **see above for addresses**
Address
City, State, Zip Code

Dear Sir/Madam:

I have obtained and studied a recently copy of my credit report, and I have found incorrect or inaccurate information in my file. Please investigate and remove the following items I have circled on the attached copy of the report. Respond within 30 days of your receipt of this request.

**For Personal data inaccuracies**
My personal information is incorrect:

Incorrect:
(Enter your incorrect information)

Correct:
(Enter your correct information)

**For credit account errors**
This item should not be on my file: (The item, including creditor name such, item type and account number. Write why it should be removed - it is inaccurate, too old and should be removed, or it is an item you never heard of)

(The item, including creditor name such, item type and account number. Write why it should be removed - it is inaccurate, too old and should be removed, or it is an item you never heard of)

**For credit account inaccuracies**
This item is inaccurate: (Plural if you have more than one)

(The item, including creditor name such, item type and account number. Write why it is wrong and how it should be corrected. Include proof.)

**For credit inquires you believe should not exist**
The following inquiry should not be in my file: (Plural if you have more than one)

(The creditor name and the date of the inquiry. Write why it should be removed, such as too old (over 2 years), it was never authorized, or you have never heard of them.)

I have enclosed copies of all required proof and documentation supporting my position. Please correct these errors as quickly as possible and send me an updated credit report.

Sincerely,

(Your signature)

(Your printed name)

Enclosed: (Complete list of the copies of documents you are enclosing within your letter. Remember, keep copies for yourself!)

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A Sample Credit Dispute Letter

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You and Your Credit

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A Sample Credit Dispute Letter

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