Credit Report Dispute Letter Template

Your letter should clearly identify each item in your report you dispute state the facts and explain why you dispute the information and request that it be removed or corrected. All three 3 of the credit reporting bureaus equifax experian and transunion accept dispute requests online standard mail and by phone. Sample credit report dispute letters.

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Sample Letter Credit Report Dispute

Writing Dispute Letter Format Credit Bureaus Dispute

Free Credit Report Dispute Letter Template Sample Word

It might be a case of mistaken identity such as the auto loan of someone with your same or similar name appearing on your report or it could be a matter of incorrect numbers.

Credit report dispute letter template. Mistakes on your credit report can have a dramatic effect on your credit score. However certified mail is the always the better option. You may want to enclose a copy of your report with the items in question circled. This guide provides information and tools you can use if you believe that your credit report contains information that is inaccurate or incomplete and you would like to submit a dispute of that information to the credit reporting company.

Credit dispute letters can be a sent either by mail or online. After confirming your identity you get to the actual dispute part of the process. Online submissions offer speed and convenience. The credit report dispute letter is used to remove an invalid collection from a persons credit history that was either paid falsely listed or if the debt is more than seven 7 years old.

This is going to be the same as using the dispute letter template and you can even copy and paste the letter onto the website. Send your letter by certified mail return receipt requested so you can document what the credit reporting company received. In the letter you can explain why you believe the items are inaccurate and provide any supporting documents. For equifax youll have a 10 digit number at the top of your credit report thats like your customer number.

When you send a credit dispute letter to any of the credit bureaus by law they must investigate and resolve your dispute within 30 days. The 609 letter is similar to a debt verification letter you would send to a third party collector when trying to validate the legitimacy of a balance due which is your right under the fair debt collection practices actthe 609 letter however is based on section 609 of the fair credit reporting act fcra a federal law that regulates the credit reporting agencies. A credit dispute letter is a document you can send to the credit bureaus to point out inaccuracies on your credit reports and to request the removal of the errors.