Credit Dispute Letters

A credit dispute letter is an explanation of an error or outdated information on your credit report that you send to one or all of the three major credit bureaus, along with a dispute form you can download from Experian, Equifax and TransUnion. You'll want to dispute the credit report at the bureau that issued it. Sometimes it might be just one credit report, or it might be reports from all three bureaus.



Information to include in your dispute letter

Each credit bureau offers a downloadable dispute form that you should fill out and mail to initiate an investigation. In your accompanying dispute letter, you'll want to include personal information as well as information related to the dispute:

Personal information

• Full name.
• Date of birth.
• Current address.
• Driver's license number.
• Social Security number (optional).
• The account number of the tradeline you're disputing (e.g., account number found on your utility bill, student loan bill or mortgage statement).

Dispute information

• Account number (should match the account number listed in the personal information section).
• Dates of the disputed information.
• Type of disputed information.
• A detailed explanation of what is inaccurate on your credit report.