Credit Report Dispute Letter Template | Sample

A Credit Report Dispute Letter is intended to be used by consumers to dispute records at credit reporting bureaus. Occasionally reports about credit items are in error because they have been paid. Or they were listed incorrectly, or they are more than seven years old. Credit reports can impact your ability to borrow money at competitive rates. An excellent credit report helps to obtain the best interest rates on loans and mortgages. We will get into this in more detail.

What is a Credit Report Dispute Letter?

Consumers can dispute a credit report. It is their free right provided by the Consumer Credit Protection Act. Credit agencies have thirty days to provide a formal response to your letter of dispute. An additional fifteen days can be added to the timeline if additional evidence is presented. The Credit Report Dispute Letter should identify specific items on the report which are in error. The item may have been paid, reported incorrectly, or is more than seven years old. The three bureaus (Experian, Equifax, and TransUnion) are required under federal law to provide credit reports free of charge to residents of the United States.

How to Write a Credit Report Dispute Letter?

Keep the Credit Report Dispute Letter to one page in length, keep it concise and focus on providing the information the credit bureau needs to identify you and the issue you are raising. Stick to the facts and keep it professional. Letting your emotions get the better of you in this kind of letter will not help your case. Follow the process outlined on their websites for disputes. Keep notes of who you might have talked to, what was said, the date and time to reference at a future time if needed.

What to Include in a Credit Report Dispute Letter?

There is the basic information required in every Credit Report Dispute Letter; however, always check the bureau’s website for any additional specific details they may require. You may need to request a credit report to verify the information it contains before sending in your dispute letter. You need to include:

  • Full Name
  • Mailing address(at least six months)
  • Housing status (own or rent)
  • Date of Birth
  • Social Security Number
  • You may need to pass a verification test.

Once you have all of your information, you can create a dispute. The Credit Report Dispute Letter should include:

  • Collection Account number
  • Collection Dates
  • Description (of service or product provided)
  • Copy of the Credit Report
  • Copies of additional evidence

Tips and Things to Avoid

Once your report has been made available to you, review your FICO score and all account information. Identify those over seven years and any debt that is already paid as well as any errors.

Gather all of your records, including credit card statements, bank statements, and other documents that pertain to debt that you are disputing. You may need this information to attach to your dispute letter as backup information to prove your dispute.

Note that you will have to repeat this process for all three credit bureaus, since the same debt in dispute may be on each bureau’s report. Choose whether you will file a dispute online, by phone, or send in a dispute letter.

Credit Report Dispute Letter – Format

Your Name, address, and Phone number


Name of credit bureau the letter is addressed to, address, phone number.

Dear (Credit Bureau)

Body – Paragraph 1 – Introduction

Body – Paragraph 2 – Party Owed: (Name of Debt Holder)

Body – Paragraph 3 – Amount: (Outstanding Balance)

Body – Paragraph 4 – State your Request

Body – Paragraph 5 – List your documents attached proving your case



More Details – Credit Report Dispute Letter

Your Name: address and Phone number

Date: Date letter is sent

Name of Credit Bureau: Name the letter is addressed to, address, phone number (you need a separate letter for each bureau)

Dear: (Credit Bureau Name)

Body – Paragraph 1 – Introduction: Introduce yourself and why you are sending this letter

Body – Paragraph 2 – Party Owed: (Name of Debt Holder) Use the legal name

Body – Paragraph 3 – Amount: (Outstanding Balance) Include the full dollar amount owed

Body – Paragraph 4 – State your Request: State why you are disputing this claim, be specific and accurate

Body – Paragraph 5 – List your documents attached proving your case

Closing: Sincerely

Signature: If sending this dispute as a letter, sign it with your normal signature, online submissions will have space for you to enter your name.

Sample Letter of Credit Report Dispute Letter

John Doe

Street number, street name, city, state, Zip (include apartment number if appropriate)

Date: Date letter is being sent

Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374Dear: (Credit Bureau Name)

Experian, P.O. Box 4500, Allen, TX 75013

TransUnion LLC Consumer Dispute Center, P.O. Box 2000, Chester, PA 19016

I, (your name), am writing this dispute letter to discuss a record on my credit report with your credit bureau. The amounts indicated are no longer owed or were reported in error for the following:

Party Owed: (Debt Holder’s Name) Use the legal name

Amount: (Balance Outstanding) Include the full dollar amount owed

I am challenging this claim (choose one or add a reason as needed)

• The business entity is no longer in existence

• The amount has been fully paid

• The amount was reported in error

Enclosed if mailing, attached if emailing are copies of documents that prove my assertions. (list documents)


Signature: (Your Name)

Credit Report Dispute Letter (Word Template)

Credit Report Dispute Letter


Credit bureaus track millions of people and records. These reports can have a significant impact on your ability to obtain a loan. Or a mortgage or even a credit card. They can even impact your ability to get a job. Hence it is important to maintain a good credit rating and correct any errors on these reports.

You will need documentation to support your claim and follow a professional business approach to making a claim. Take the time to obtain all of the appropriate information that supports your claim and submit it online or by mail. You can also call to obtain additional information about processes.

Note that you will need to submit credit report dispute letters to all three major credit bureaus to have each one updated for your credit rating.

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