How to write a letter to fix your credit report, dispute derogatory entries in your credit history

Free sample letter you can copy and send to credit bureaus to dispute derogatory marks in your credit history

Writing a letter to dispute what's in your credit is an easy task anyone can do to fix errors in their credit report.

The reason you want to learn how to write these types of letters is simple: when you find mistakes or outdated information in your credit report, you have the right to dispute it. When you dispute credit entries, and your dispute is accurate and true, incorrect information can be removed, thereby raising your credit score.

The format when writing a dispute letter is very straightforward. Stick to the facts. Don't get long-winded. Prove your case with documentation. Keep copies of everything you write.

There's no need to get emotional. Don't take the errors you discover in your credit report personally. You don't need to write a 25 page legal opinion or blame anyone for your bad credit. Simply identitfy the errors you've found, write down the facts of each case, and request that the corrections be made and the errors be removed from your credit history.

There are three major credit bureaus you will need to send dispute letters to: Equifax, Experian, and TransUnion. One letter will not do; you will need to send each company a separate letter to fix your credit history.

Here is a sample format to write your dispute letter to correct errors you find in your credit reports: