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How To Write Credit Dispute Letter

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    Looking for sample credit dispute letter? We will help you to write a well-structured professional letter by providing example, format and tips.

    Credit reporting companies sell the information in your report to creditors, insurers, employers and other business that use it to evaluate your applications for credit, insurance, employment or renting a home.

    Thus your personal credit history is one of your most important assets and should be guarded carefully.

    The federal Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy of information in the files of the nation’s credit reporting companies.

    A credit dispute letter is the next step to repairing your credit after you’ve analyzed your credit report and determined the hierarchy of errors that you want to correct or remove.

    Sending a credit dispute letter is only the first shot fired in what could be a long war.

    Sample Credit Dispute Letter

    (Sender Name)
    (Sender Title/Position)
    (Sender Organization Name)
    (Sender Street Address)
    (City, State, Zip Code)


    (Recipient Name)
    (Recipient Title/Position)
    (Recipient Organization Name)
    (Recipient Street Address)
    (City, State, Zip Code)

    Re: Credit Report Error

    Dear Sir/Madam,

    I have obtained a recent copy of my credit report and discovered it has inaccurate information. The credit report in my name (Full Name) and Social Security Number (Social Security Number#) maintained by your agency (Name Of Bureau).

    You will find a copy of this credit report enclosed containing this inaccurate data highlighted in yellow and circled in red. The following information that I have highlighted/circled is wrong because the report states that (List The Inaccuracy). This is not the case because (Explain Why The Listing Is Wrong).

    In accordance with the federal Fair Credit Reporting Act (FCRA), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately (Delete, Update, Correct) the item.

    Furthermore, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

    Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months.

    If you have any questions about this request or the disputed credit information, you can call me at 012-3456789.

    Thank you for your prompt attention in this matter.



    Enclosed: Credit Report

    Click here if you are looking for sample credit card cancellation letter.

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