Example Letter to Dispute Your Credit Report

If you’ve just received your credit report and there are some mistakes on it, you will want to dispute it. Here is a template letter that you can use.

Checking your credit report is something that you should do at least once a year. You should ensure that all of the items are valid and that no mistakes have been made. If you do find a mistake, it could have implications for your credit score. You will therefore want to take it up with the Credit Bureau.

You can do this by sending them a letter complete with a copy (not the original) of your credit report. Highlight the errors on the copy of your report. Make a copy of any correspondence that you have sent.

Here is a template letter that you could use:

Date

Your Full Name

Your Present Address

Zip Code

Disputes Department

Name of Credit Bureau

Address

Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my credit file. Please find attached a copy of my credit file where I have highlighted these items.

This item (give details such as court judgement, credit agreement etc.) is (inaccurate or incomplete) because (describe what is wrong with the entry).

I have enclosed the following documents to support my claim (list documents such as payment details etc).

Please investigate my claim and (delete or correct) the disputed item(s) as soon as possible.

Sincerely,

Your name

Enclosures: (List of documents enclosed)

The credit bureau must then investigate your dispute within a period of 30 days. After this they should send you the details of their findings to you, in writing. This is the best way in which to get incorrect information removed from your credit file.