Credit Bureau Dispute Letters
Here are three sample credit bureau dispute letters that you can send to the credit bureaus in order to dispute incorrect, incomplete or inaccurate information.Do not dispute more than 3-4 items at a time. Experts claim that disputing too many items may suggest that you’re engaging in fraudulent credit repair tactics.
Send the letters via certified mail, return receipt requested, so that you have document that the credit bureau received your correspondence. Remember to enclose a copy of your credit report with the disputed items encircled. Also, include any documents that support your position (Copies – NOT originals).
Although all 3 major credit bureaus offer online credit report dispute services, most financial advisors recommend disputing your credit report by mail only. This creates a “paper trail” and makes it harder for the credit bureaus to ignore your request.
Here are three different credit bureau dispute letters:
Use this credit report dispute form to dispute any inaccurate, incomplete or missing accounts & personal information.
Use this credit inquiry dispute letter to send to an inquirer (i.e. creditor/lender/other entity), demanding them to remove unauthorized inquirers from your credit report.
In case that the inquirer has ignored you, use this credit inquiry dispute letter to send to the credit bureaus with the same demand.
Dispute Addresses for the Three Major Credit Reporting Agencies
Equifax
P.O. Box 7404256
Atlanta, GA 30374-0256
Experian
Dispute Department
P.O. Box 9701
Allen, TX 75013
TransUnion Disputes
2 Baldwin Place, P.O. BOX 1000
Chester, PA 19022
For important information and tips about credit report disputes please see How to Dispute Your Credit Report.