The following instructions will walk you through how to write a dispute letter to rectify any errors on your credit report.
Federal law gives you the right to submit a dispute and request an investigation when you discover an error in your credit report. Under the Fair Credit Reporting Act (FCRA), both the credit reporting agency and the information provider have responsibilities to correct inaccurate or incomplete information in your report. When you mail your dispute, the credit reporting agency must investigate the items in question – usually within 30 days – unless they consider your dispute frivolous.
You need to provide the following:
- Your name and address where you currently reside. Provide a piece of mail to your current address with your name on it.
- What you are disputing and why.
- Supporting documents, payment statements or checks. Indicate which of the provided information should be deleted or corrected.
- You can include a copy of your credit report with the disputed items circled. Be as clear as possible to make it easy for the Bureaus to understand what needs to be executed.
Send the letters via certified mail, return receipt requested, or Fed-ex with a “signature required”, so you have documentation proving the credit reporting agency has received your letter. Keep a copy of your letter and all other documents for future reference.
P.O. Box 105139
Atlanta, GA 30348-5139
P.O. Box 2002
Allen, TX 75013
P.O. Box 2000
Chester, PA 19016