A good letter to the credit bureau – Letter #1 Dispute

If you want to improve your credit, than you have to remove negative items off your credit report. I have already outlined the step-by-step process to repair your credit reports here. As you recall step #3 is to dispute negative items.

Some of you may ask – is this legal? YES! The FCRA protects your rights against creditors and CRA’s. Many credit reports are filled with inaccuracies and these inaccuracies are bringing your credit score down and causing you to pay extra in interest and fees.

The following is a sample letter requesting the removal of inaccurate information. Always include any copies of proof you may have. It never hurts to include the consequences that have resulted from this wrongful information as well.

Make sure you send all letters certified – return receipt requested and make copies of everything. Here is a free credit dispute letter.

DISPUTE LETTER

Date:

Dear Sir/Madam:

I recently obtained a copy of my credit report.  I am very upset because of the inaccurate information in my credit report. The following information is reported incorrectly and I want them removed:

#1.     Creditor Name:

          Account number:

          The information regarding this account is inaccurate because ____________

          _____________________________________________________________

          The following supporting documents are enclosed for your review:

• 1. ______________________________________________
• 2. ______________________________________________

#2.     Creditor Name:

          Account number:

          The information regarding this account is inaccurate because _____________

          ______________________________________________________________

          The following supporting documents are enclosed for your review:

• 1. ______________________________________________
• 2. ______________________________________________

I am requesting that you investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report.  In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

My full name is: ___________________________________________________

My Social Security # is: _____________________________________________

My date of birth is: _________________________________________________

My home phone number is: __________________________________________

My address is: ____________________________________________________

City: ___________________________ State: _______ Zip Code: ___________

I have enclosed a copy of my identification as proof of identity.

Please send me an updated copy of my report, and notification that items have been
deleted.

Thank you for your prompt attention in this matter.

Sincerely,
________________________________________(Your Signature)

________________________________________(Your Name Printed)