The first step to correct credit reporting errors is to write a dispute letter. It is upsetting to learn that there has been a mistake made, or even worse, malicious fraud, using your personal information. Your credit report holds your financial information which is the basis of your credit score. So it’s especially important that you monitor it for accuracy. If you opt to mail in your dispute of an error, using our dispute letter template will start you on your way to ensure your financial records are remedied should you experience a
Who gets this letter?
Specificall, you should contact both the credit agency that is showing false information and any other party involved, such as a credit card company. You can also use our templated letter for creditors and lenders as well.
Example Dispute Letter to Credit Agency
Consumer Dispute Department
Name of Credit Agency/Credit Card Company
Account #: <if applicable>
Dear Sir or Madam,
I am writing to dispute the following information in my file as being <incorrect or incomplete>:
<Item 1: Details>
<Item 2: Details>
The item(s) I am disputing are also marked on the enclosed copy of the credit report.
The item(s) are <inaccurate or incomplete> because <describe what is wrong
Please find the enclosed copies of <specify documentation> supporting this request. Please investigate this matter and <delete or change> the disputed item(s) as soon as possible.
I look forward to hearing from you.
Enclosures: <List of the documentation you are including with your letter.>
TIP: Send certified mail and return receipt. Include a couple of copies of photo IDs to help identify you.
Phone: Not available*
Online: Equifax Disputes
Mail: Not available*
* All disputes with Equifax are handled online.
Phone: 1-888-EXPERIAN (1-888-397-3742)
Online: Experian Disputes
Experian Consumer Dispute Center
P.O. Box 4500
Allen, TX 75013
Online: TransUnion Disputes
TransUnion LLC Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016
Best of luck in the disputing process and getting your credit back on track. It can be stressful if you are working to correct an error that you know is negatively affecting your credit score. It is important to know that you have a right to dispute incomplete or inaccurate information. Both the credit agency and the creditor or lender (also known as the furnisher of the information) are legally bound to consider your dispute. We hope our templated letter will assist you in making disputing something easier.