Writing An Effective Credit Bureau Dispute Letter

Writing a credit bureau dispute letter is something that more and more people need to do these days. With so much information floating around it is easy for something to appear erroneously on your credit report. When you find information that is not true about you in your credit file, you need to do everything that you can to remove it from the report. This will help your credit score and save you money in the future. Here are a few things to help you write an effective credit bureau dispute letter. 

Locate All Errors

The first thing that you have to do is get a copy of your credit report. You can do this through a number of different sources. The main three credit bureaus will provide you with a free copy each year. If you have already used that, then you can purchase one from them as well. 

Once you have a copy of your credit file, make a copy of it and circle all the errors that you have found. This will enable you to be specific on what you want changed. 

How to Dispute

Depending on what credit bureau you are working with, you may have to go about disputing the claims on the report differently. Some bureaus prefer that you write them a letter. Some of them have another procedure that they would prefer. For example, you can use an Experian credit dispute form when working with them. Others might prefer that you call them over the phone. The first thing that you need to do is ask the credit bureau that you are disputing how they would prefer to handle it. 

Writing a Letter

At the top of the letter, put the usual information including your name, address, and the date. After that, begin the letter with "Dear Sir or Madam." From there, you will let them know that you are writing to inform them of a dispute of an item on your credit report. You will want to go into detail about what you are disputing. 

Once you have specified which item you are disputing, let them know why you are disputing. Go into detail about why the item is inaccurate. Let them know exactly what happened and when it happened. If something is on your credit report that you have no idea how it got there, let them know that. It could be the object of an identity theft case. 

You will want to include the copy of your credit report with the letter and refer to the circled items on it. This way they can easily see exactly what you are talking about without a lot of confusion.

Ask for a Resolution

Once you explain your case and tell them why their information is wrong, you need to ask them to do something about it. Tell them that you want the information taken off of your report or amended. Regardless of what you want done, just make sure that they understand it by the time the letter is over. 


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