Credit Report Dispute Letters

Here are 3 diffrent credit report dispute letters that you can send to the credit bureaus in order to dispute inaccurate, incomplete or missing information on your credit report.

Limit your dispute to a maximum 3-4 items at a time. Experts claim that disputing too many items may suggest the credit bureaus that you’re engaging in fraudulent credit repair tactics.

You should send the letters via certified mail, return receipt requested, so that you have document that the credit bureau received your correspondence. Enclose a copy of your credit report with the disputed items encircled or marked. Remember to include any documents that support your position (Sent copies – NOT the original documents).

While the 3 major credit bureaus encourage consumers to file disputes online through their websites, most financial advisors recommend disputing credit reports by mail only. This creates a “paper trail” and makes it harder for the credit bureaus to ignore your request.

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.

The 3 Major Credit Reporting Agencies Address

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.