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Credit Dispute Letters

In order to correct an error in your credit report, you need to inform the reporting agency in writing what information you believe is an error or is incomplete. Below is a sample credit dispute letter.
Your Name
Your Address
Your City, State, Zip Code
Complaint Department
Name of Reporting Agency
City, State, Zip Code
Dear Sir or Madam:
I am writing to dispute the following information in my file. The items I dispute are also encircled on the attached copy of the report I received. (Identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as charge card account, judgment, etc.)
This item is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or request another specific change) to correct the information.
Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.
Your name
Enclosures: (List what you are enclosing)

First get a copy of your credit report from all 3 CRA's(Credit Reporting Agencies). Go over each one line by line, first correcting and disputing any erroneous personal information such as incorrect spelled name, wrong phone numbers, old or incorrect addresses, d.o.b.'s etc. Then look at the TL's(Trade Lines) if you feel as though they are in error or reporting TL's that are not yours, disput this information with the Original Creditor under F.A.C.T.A., or the Collection Agency/Debt Collector under the FDCPA or FCRA directly asking them to validate the information they are currently reporting to your credit reports. Make sure you send all correspondence US Postal Service CMRRR, wait about 15 days, if no response, now dispute it with all 3 CRA's and wait for there response. id the investigations come back verified or updated you now have the Collection Agency for violation of you State and Federal rights as it Relates to the FCRA and FDCPA.
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