How to write dispute letters
and restore good credit!
Disputing Key Derogatory In Your Credit Report
Free sample credit dispute letters

Dispute letters are handy ways to keep your credit report free of costly errors, outdated entries, and incorrect information about your past credit history.

You have the right to review your credit report free, and you have the right to get errors removed so that they don't lower your credit score.

When writing a dispute letter to fix your credit, remember to always keep copies so you have proof that you've written them. Many credit experts recommend faxing the original, then mailing the copy to address of the creditor or credit bureau you are having a dispute with.

Although there are new online methods of disputing errors in your credit report by logging into the credit bureau websites, the original old-fashion dispute letter will always have a place in getting better credit.

The free sample dispute letter templates on this website can help guide you to create your own letters, and ultimately help you clean up your credit report.

The Federal Trade Commission offers this advice on how to dispute inaccurate, outdated, or erroneous information:

Tell the consumer reporting company, in writing, what information you think is inaccurate. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected.

You may want to enclose a copy of your report with the items in question circled. Send your letter by certified mail, return receipt requested, so you can document what the consumer reporting company received. Keep copies of your dispute letter and enclosures.

Consumer reporting companies must investigate the items in question -- usually within 30 days -- unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information.

After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company.

If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file.

When the investigation is complete, the consumer reporting company must give you the results in writing and a free copy of your report if the dispute results in a change. If an item is changed or deleted, the consumer reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete.

The consumer reporting company also must send you written notice that includes the name, address, and phone number of the information provider. If you request, the consumer reporting company must send notices of any correction to anyone who received your report in the past six months. You can have a corrected copy of your report sent to anyone who received a copy during the past two years for employment purposes.

If an investigation doesn't resolve your dispute with the consumer reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the consumer reporting company to provide your statement to anyone who received a copy of your report in the recent past. (You can expect to pay a fee for this service.)

Tell the creditor or other information provider, in writing, that you dispute an item. Be sure to include copies (NOT originals) of documents that support your position.

Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if you are correct – that is, if the information is found to be inaccurate – the information provider may not report it again.

Free Sample Dispute Letter


Home Address
City, State, Zip Code

(Name of the Credit Bureau here)
Mailing Address
City, State, Zip Code

Dear Sir,

   I wish to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the credit report that I received on (date).

   This item (identify the specific items disputed by name, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I formally demand that the item be deleted (or request another specific change) to correct the information.

   Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) which proves my position. Please promptly investigage this (these) matter(s) and remove the disputed item(s) as soon as possible.


Your full legal name

Enclosures: (List what you are attaching with your dispute letter)

Make sure you keep copies of this (and every) letter you write to credit bureaus. It is always a good idea to mail the letter and attachments first class mail, and have the agency sign for the delivered letter. Getting proof that they received your dispute letter is key in proving your case.

Experian Dispute Address:

701 Experian Parkway
Allen, TX 75013
On the web: online dispute webpage

Transunion Dispute Address:

On the web: online dispute webpage

Equifax Dispute Address:

Equifax Information Services, LLC
P.O. Box 740256
Atlanta,GA 30374
On the web: online dispute webpage

Here is a wide variety of quality websites we've uncovered for you -- websites that offer free sample dispute letters and credit dispute letter formats you can copy and use yourself to challenge derogatory info that you find in your credit report:

For more information, read "How you can dispute credit report errors" here at

Credit Dispute Letters - 5 Essential Tips on Making Your Own

by Expert Author Matthew Wierzbinski

Self credit repair is not difficult. When writing your credit dispute letters, there are a couple points to keep in mind.

1. Make each of your credit repair letters unique.

2. Make sure you include the account name and account number of the item you are disputing.

3. Make sure you include an indentification page when you send the credit repair letters.

4. Make sure you include your social security number at the bottom of the letter under your name.

5. Make sure the credit dispute letter has the proper heading with your name and address. (There's no need to include your phone number.)

Let's elaborate a bit on these items.

1. Make sure each credit dispute letter is unique.

If you use some sort of credit dispute letter template, that is fine, but make the letter your own by changing some words and changing the font size and style. Add some of your own text to the letters. This will help ensure that your letters are not thrown out by the credit reporting agencies. These bureaus scan the letters to make sure they are not getting frivolous disputes. If they get the same or highly similar letters over and over again, they might consider the letters to be junk mail.

2. Making sure you include the account name and account number of the account you are disputing.

If you don't, they won't be able to tell which account you wish to dispute. This should be obvious, but you have to have both items and not just one or the other.

3. Make sure you include an ID page when you send the credit repair letters.

An ID page should include a copy of your driver's license, social security card and a utility bill. Copy all these on to one page. Make sure your address is current on both the DL and the bill. If it is different on one or the other, get this corrected first.

4. Making sure you include your social security number at the bottom of the letter under your name.

The credit bureaus already have your social. You need to put this on the credit repair letters. It is standard practice.

5. Make sure the credit dispute letter has the correct heading with your name and address.

Think of it as a business letter. You ought to have the proper header on the letter.

These are the most important steps consumers need to take to repair credit by themselves. Simply follow them, and await the results!

Matthew Wierzbinski is the owner of, which offers both written and video instructions on how to repair your own credit. It also offers the public free use of its amazing credit repair letter generating tool, the free and easy Credit Repair Letter Wizard, which can be found at

Learn more ways to fix bad credit at

Navy brings money management tips to the fleet

The Navy is making sure men and women serving their country know how to dispute errors in their credit and spruce up their own finances. Recently, the Naval Air Station Jacksonville Fleet and Family Support Center set the pace, and sponsored several financial workshops for servicemembers.

The workshops were presented by Young America's Financial Coach Peter Bielagus, who gives more than 60 lectures each year to service members, college students and young professionals, on how to jumpstart their financial lives.

"I'm here today to help educate service members on taking charge of their financial lives," said Bielagus. "I want them to know that there is never a good time to get started on your financial life, so you might as well get started today."

Kicking off the morning session was NAS Jax Command Master Chief (CMDCM)(SW/SS) Jeff Hudson, who talked about how important it is to have a handle on financial responsibilities.

"Most of the Sailors who are having personal issues in their lives are having problems financially," said Hudson. "It's absolutely critical that we have the right mindset and know that things are taken care of at home before we go out there to do our jobs.

"This is not a check in the block training session, this is the U.S. Navy making sure you are prepared to do your job and to also ensure that you are prepared to go out there and be successful for life after the Navy," said Hudson.

Also speaking at the event was FFSC Financial Educator Rufus Bundridge, who started with a little experiment.

He encouraged everyone in the group who eats out in a restaurant at least four times a week to stand up. When most of the audience stood, he mentioned the cost of spending $5 a meal and the amount of money that could be saved annually by not eating out. He then challenged the group to stop for three months or even one week and save that money.

"Think about the money you could save by changing this one habit," said Bundridge. "And then start looking at some of the other ways you could increase your savings. One little change could change your whole financial life."

As Bielagus began his presentation he said, "Today, I hope to put a little more money in your pocket. However, if you forget everything I tell you during this presentation, I need you to remember this one thing. Start before you need to start.

"There is never a good time to get started on your financial life. Most people tend to start saving at the age of 33. But if you wait until then, you cut yourselves off from literally half the money that you will have in your lifetime," said Bielagus.

He then discussed how the stock market works and how stocks go up and down, and the importance of checking FICO scores with credit agencies. "This number tells banks, mortgage companies and car salespeople how likely you are to pay back the money that is lent to you," said Bielagus. "Everything you try to buy will somehow be affected by your FICO score, so check your credit report annually to ensure there are no mistakes on it.

"If you find an error, ask for an investigation. Companies then have 30 days to prove the error is correct. One out of three people have a mistake on their credit report that is not their fault," said Bielagus.

He also discussed some ways to increase FICO scores such as: paying back the money you borrow in full and on time, only borrowing what you need, limiting the amount of credit you have and apply for, and paying off credit card debt.

Things that lower the score include: paying late, applying for credit cards you don't need, allowing mistakes that are not your fault to remain on the credit report, having large amounts of credit card debt, having no credit at all, having any debt go to collections, canceling cards with a good payment history that you've had for a long time, declaring bankruptcy, going into home foreclosure, vehicle repossession and doing a short sale.

In closing, he recommended writing three lists: a list of what you want (your goals), what's the big picture and a list of what you don't want.
"Take one or two weeks and write down everything you spend money on, from a pack of gum up to your rent payments," said Bielagus. "Then, compare the three lists. You'll notice what you're spending money on is not what you wrote down for your goals. When you know what you want, what you don't want, and where your money is going, then you can start moving things around and can do your budget."

Article courtesy of Navy News Service

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