Credit Dispute Letter Template

woman writing a letter

What is a credit dispute letter?

If you don’t agree with the information contained on your credit report you can send a credit dispute letter to each of the 3 credit bureaus. You can even dispute any items that you find “questionable”.

By disputing an item, the credit reporting agencies are obligated by law to investigate. They must either verify, correct, or delete the item from your record within 30 days. This type of letter is called a credit dispute letter. You can also send dispute letters directly to your creditor.

Credit Dispute Letter Template & Step-by-Step Guide

If written correctly, a credit dispute letter can be highly effective in removing negative items from your credit reports and fixing bad credit. Whether you take on a DIY approach or hire a professional, you can see positive results as long as you execute the process in the correct way.

To help, we have provided a credit dispute letter template below that you can model your letter after. We’ve also developed a step-by-step guide to dispute letters so that you can optimize your chance for success.

Perhaps you’ve been a victim of identity theft or your credit cards were stolen. Or maybe you just notice mistakes made by your creditors. Either way, disputing errors on your credit reports is your legal right.

You have the right to make sure that what’s being said about you on your credit report is fair and accurate. It’s important to go about it in the right manner so that you don’t lose the opportunity to improve your credit scores using this method.

What items can I dispute on my credit report?

Anything that is being reported on your credit history can be disputed. This includes, but is not limited to the following items:

Be very careful that you don’t dispute positive items. Once they are removed, it’s pretty much impossible to get them back on your credit report.

If you are not sure which items are negative and which are positive, you are not quite ready to send disputes yet. Make sure you completely understand what’s being reported on your credit history before starting the dispute process.

Dispute Letters to Credit Bureaus

It’s not necessary to provide evidence when making a dispute as the burden of proof is on the credit bureau. However, if you have any evidence of the error that you believe will help your case, you can send it with the letter.

It could be a letter from a collections agency for a bill you already paid. It could also be proof that you paid off any owed amounts or a letter from the creditor noting that you agreed to a settlement. When providing copies of this information, just be sure to black out sensitive information like your social security number before sending it over.

Once you have everything pulled together, send a credit dispute letter. You’ll have the best chance of success if you go in prepared so take a few minutes and pull your paperwork together. In your letter, identify the error on your credit report and note that you have circled the disputed item in an attached copy for their reference.

It’s important to explicitly ask that the disputed item is removed. Remember, the letter should be as customized as possible to achieve optimal results.

How to Write a Credit Dispute Letter

When writing your letter to a credit bureau, please remember these simple guidelines:

  • In most cases, it’s unnecessary to mention laws, procedures, court rulings, or threaten lawsuits, etc. The credit bureaus know the law.
  • Similarly, remember to be kind. Combative language doesn’t help and could hurt. You’re not going to scare them into doing anything.
  • Include copies of information that supports your claims, but remember, anything you send them can also be used against you. Do not send original documents. Please be very careful with this one. If you’re not sure, don’t send it.
  • Make and send copies, but always keep the originals for your own records.
  • Make it clear which item or items you want to dispute. It’s not always necessary to tell them why you are disputing. The burden of proof is on them.
  • They are not obligated to investigate requests that appear frivolous. Make sure your letter is understandable and concise. It’s a good idea to proofread the letter before you send it.

Note: Always include a photocopy of your driver’s license, state-issued ID, or U.S. passport and a copy of your social security card, pay stub, W-2 or a recent utility bill. Only 2 forms of ID are required.

Sample Credit Report Dispute Letter

Below is a sample dispute letter disputing a credit card account. It can be used for an Equifax, Experian, or TransUnion dispute. Please remember that it’s just an example. It’s intended to give you an idea of what a credit report dispute letter should look like and what it should contain.

Tailor your message to your specific circumstances. Keep it short and sweet. It’s always best to write the letter in your own words and know what you are doing. If you don’t know what you are doing, it is possible to make your credit situation worse.

Sample Credit Report Dispute Letter

{Name}
{Address}

{City}, {State} {Zipcode}
Social Security number: {XXX-XX-XXXX}
Date of birth: {XX/XX/19XX}

Equifax
P. O. Box 740241
Atlanta, GA 30374-0241

01/01/2020

Dear Credit Reporting Agency,

Please provide evidence that the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.

{Credit Card Issuer}
{Credit Card Account #######}
{Report or confirmation number} (if available).

{Name}

Note: The above letter works for all three credit bureaus. Replace the credit bureau’s name & address based on the information listed below.

Equifax Disute Address

Equifax
P. O. Box 740241
Atlanta, GA 30374-0241

Experian Disute Address

Experian
2220 Ritchey
Santa Ana, CA 92705

TransUnion Disute Address

TransUnion
P. O. Box 1000
Chester, PA 19022

Can I dispute my credit reports online?

Yes, Equifax, TransUnion, and Experian all offer online dispute forms on their websites. However, we highly advise against disputing online because it’s not as effective.

It limits your rights, gives you less control, and you’re doing exactly what the credit bureaus want you to do. You’re playing into their hands and giving them the easy way out when you dispute online.

credit dispute form

Yes, you can still have some success in removing negative items by disputing online. However, it is NOT the best way. Why? The primary reason is that you may inadvertently waive some of your rights under the Fair Credit Reporting Act when you choose to file a dispute online.

Misinformation

Unfortunately, many people dispute accounts online because some of the big “consumer advocate” sites like Credit Karma and Credit.com advocate it. Even The New York Times wrote an article encouraging it. There is plenty of misinformation online about credit repair and it’s placed there on purpose.

Be careful of websites that pretend to try to help you but are actually hurting your chances of improving your credit score while simultaneously helping the credit bureaus.

Credit repair experts NEVER dispute their clients’ credit reports online. They know it’s a big no-no. If you decide to repair your own credit, don’t be lazy; write a letter. That way you can retain copies as proof that you sent the letter.

You should also send it via certified mail and request a return receipt. This also serves as evidence that the letter was received starts the 30-day clock for the credit bureau to investigate the dispute.

Can I dispute my credit report over the phone?

Yes, you can do your disputes over the phone, but again, it’s not a wise decision. It’s almost as bad as disputing online because there is no paper trail to confirm your actions.

If you want the best chance of removing negative items from your credit reports, write a letter and keep careful records of all communications you send and receive from both creditors and the credit reporting agencies.

What if it comes back as “verified”?

Unfortunately, it’s common practice for creditors to drag their feet when it comes to removing negative items. They do this especially if they’re trying to get you to pay off a debt you already settled in some way. Remember, they need to complete the entire investigation within 30 days of receiving your letter.

Sometimes credit bureaus don’t always cooperate as well. At this point, it’s time to contact the credit bureaus again to let them know they’ve made a mistake and are violating your rights. It may take several letters for them to remove the item.

However, if you’ve sent several letters and they still refuse to remove the item, you may need to enlist legal help. It might be costly, so reserve this for especially damaging items. You might find success just by sending a letter on a lawyer’s letterhead.

Make Sure You Know What You’re Doing!

It’s imperative that you do this right as getting a home loan, car loan, or even a new job can depend on how successfully you can clean up your credit report.

We’ve heard of countless people who have made their credit even worse (in some cases much worse) because they didn’t know what they were doing.

If you’re not careful, you can unknowingly undermine your consumer rights and do irreversible damage to your credit by trying to save a few bucks doing it yourself.

Dealing with the credit bureaus and your creditors can be intimidating and the constant back and forth with them can be quite time-consuming and frustrating. They don’t always respond with the desired outcome, in which case, follow up letters are needed.

A Professional Credit Repair Company Can Help

As you can probably tell from the detailed instructions above, disputing even a single negative item on your credit report can take a lot of work. First, you have to correspond back and forth with your creditor.

If that doesn’t work, you then have to reach out to each credit bureau separately. Since you need to do everything via certified mail to ensure you don’t waive any of your rights, doing things the right way still feels like the slow way.

One way to speed up the process and save time is to hire a professional. They understand credit laws and can navigate the process on your behalf in an agile and efficient manner.

Working with a professional also takes the emotions out of the process. You simply get to check in with your contact to find out the status without having to talk to aggressive or irate creditors.

If you want to make sure it gets done right, let the professionals at Lexington Law take care of it for you.

They have dealt with hundreds of thousands of clients and their team of lawyers and paralegals have many years of experience.

Plus, they know how to deal with the credit bureaus when they don’t respond favorably. Call 800-220-0084 for a free consultation and complimentary credit score.