Disputing Errors on Your Credit Report
Form Letter
You probably think you have better things to do than fix errors on your credit report. But the truth is, if you don't make those needed fixes, no one else will. Statistics show that more than 70% of today's credit reports contain some type of error.
Using the sample letter below as your model, substitute your personal information in place of the text marked in red. You may also download a printable version of the letter (PDF). Remember that each of the three main credit bureaus (TransUnion, Experian and Equifax) operates separately, and your scores are likely to vary with each — so you'll need to make separate corrections for each.
Date goes here
To Whom It May Concern:
It appears that my current credit report, maintained by credit agency name goes here, has some inaccurate information. My Social Security number is enter your Social Security number here, and the report is in my name — enter your full name here.
I have enclosed a copy of my credit report that contains the inaccurate data, and I have highlighted the errors. Specifically, the following information is incorrect:
Pick from the list below those errors that apply to your situation, and explain each of them in detail to the credit bureaus. Be sure to list the creditor's name and account number for which the incorrect data appears:
- A purchase made by someone other than the account's authorized user or something that you did not buy.
- A disagreement between the purchase price and the price shown on the bill.
- A charge for a product or service that was not delivered according to agreement.
- Mathematical errors.
- Questionable items or any entries for which you need more information.
Please investigate this matter with the creditor in question. When the error has been confirmed, please remove this error from my credit report, and make this letter a permanent part of my credit record.
If you have any questions about this request or any of my other credit information, please contact me at your work or home phone number — wherever you can be most easily reached to discuss the matter.
Thank you for your prompt attention to my request.
Your signature goes here
Your typed name goes here
Your address - City, State and ZIP Code goes here
Enclosure: credit report copy