How to Write a Dispute for a Credit Report

Writing a credit dispute letter notifies a credit reporting bureau about an error on an individual's credit report and asks them to correct the mistake. Writing such a letter is important to keep your credit report error-free to improve your odds at better interest rates on loan applications. You can write a dispute letter for a credit report by considering the section of your report that needs corrected and keeping a few points in mind.

Instructions

1

Write your name, address and phone number at the top of the letter along with today's date. Under your contact information, type the name of the credit bureau to which you are writing along with its address. Address the letter to the name of the credit bureau.

2

State in the first line of your letter that you are writing to dispute inaccurate information in your credit report, and provide the bureau with your Social Security number so a representative may look up your report.

3

Type in the second paragraph of your dispute letter the exact mistake on your credit report. Type what specifically your credit report states and that you would like to have it investigated. Include a quote from your credit report that includes the exact issue you are disputing.

4

Tell the credit reporting agency that you are attaching a copy of the page of your credit report that is erroneous and that the mistake is circled.

5

Ask the credit bureau to investigate the mistake in a timely fashion. Include this in the last line of your dispute letter. Inform the bureau that a representative may contact you at the address and phone number at the top of the letter, if he has any questions.

6

Sign the letter, and print your name below your signature.