Contacting the Three Credit Bureaus by Mail
Form Letter
Contacting the three major credit bureaus may not be at the top of your to-do list, but it is important to know how to reach each of them quickly and efficiently.
You can either call each of the credit bureaus toll-free or contact them via the Internet, using the respective online links provided on their websites.
But oftentimes, due to high call volumes, it may be difficult to reach the credit bureaus by phone, or you may not be completely comfortable using the Internet as a means of communication. And if you are a traditionalist, perhaps you simply prefer the written word as a means of communicating important information.
As long as your letter is brief, detailed and to the point, any questions you have for officials at each of the three credit bureaus should be resolved within 30 days.
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).
The following includes suggested language that will help you resolve your credit report-related issues and concerns quickly and easily through regular mail channels.
Date goes here
To Whom It May Concern:
I, your name goes here, Social Security number your Social Security number goes here, am writing to describe the general nature of your question/complaint/need for information here.
I have enclosed a copy of reference any official documents you have included here along with this letter, and have highlighted areas of the document that need your attention.
Please contact me at your earliest convenience to let me know that you have received my request, and please inform me of any additional steps I need to take.
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.
Your signature goes here
Your typed name goes here
Your address - City, State and ZIP Code goes here
Enclosure(s): Make specific mention of copies of enclosed documents here.