How to Write Dispute Letters to Credit Agencies

When you notice an error on your credit report, it's your responsibility and right to dispute the problem. If an error stays on your report, it can hinder your ability to obtain new credit, a mortgage or insurance. To avoid errors staying on your report for too long, order a free copy of your credit report annually from annualcreditreport.com. This is the only site which gives you your report for free, so utilize it and monitor your report every year.

Instructions

1

Write down the specific error you've found and why you believe it is inaccurate. If there are multiple items, list them in the same letter.

2

Explain why you believe the information should be removed. Examples include the appearance of opened accounts due to identity theft or open accounts that don't appear on the report.

3

Include a sentence at the end of your letter requesting to have the inaccurate information removed.

4

Collect and make copies of your credit report and any documents that may support your dispute. Provide your name, address and a list of the enclosed documents in your letter.

5

Mail your signed letter and document copies to the appropriate credit agency.

6

For additional help, call the Federal Trade Commission's toll-free number, 877-FTC-HELP. The FTC can provide you with free information on dispute letters, credit management and more.