The following instruction will take the guess work out of how to write a dispute letter and will help you with step by step instruction on what to include.
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 for correcting inaccurate or incomplete information in your report. When you submit a 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 were you currently live.
- What you are disputing and why
- Supporting documents, payment statements or checks. Ask that the information 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 you are looking for.
Send the letters via certified mail, return receipt requested, or fed-ex with signature required, so you have documentation that the credit-reporting agency have received your letter. Keep a copy of your letter and all other documents for future reference.