Sample Letter Disputing Credit Report

When you suspect that your Credit Report contains incorrect information, you should write a letter disputing Credit Report to the credit bureaus. In this section of Repair Credit Score, we provide a free sample letter disputing Credit Report which you can send to the credit bureaus.

What should letter disputing Credit Report contain?

The sample letter disputing Credit Report contains:

  • you name and address
  • name and address of the credit reporting agency whom you are sending the letter disputing Credit Report
  • date of your letter disputing Credit Report
  • your file or Credit Report number
  • list of errors on your Credit Report
  • reasons why you think those items on your Credit Report are incorrect
  • what the items on your credit report should be
  • ask the credit bureau to correct the errors
  • ask to hear from the credit bureau within 30 days

Our sample letter disputing credit report includes all the above vital information. Below is the sample letter disputing credit report.

________________________ (your name and address)
________________________
________________________

________________________ (name&address of credit bureau)
________________________
________________________

__________ (date)

Dear Sir or Madam:

Recently I received my credit report from your agency. My credit file or credit report number is _____________. In reviewing my credit report, I noticed that following error(s).

  1. ________________________________________________
    This item is incorrect because ______________________
    and should instead indicate ________________________
  2. ________________________________________________
    This item is incorrect because ______________________
    and should instead indicate ________________________
  3. ________________________________________________
    This item is incorrect because ______________________
    and should instead indicate ________________________

I would appreciate it if these errors could be corrected. I look forward to hearing from you within thirty days.

Sincerely,

____________(sign and print your name)

The above letter is a free sample letter disputing credit report. You can modify this free sample letter disputing credit report to suit your credit dispute purposes. There are also other free sample Credit Repair letters available on various sections of our Repair Credit Score website.

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