Sample First Dispute Letter

May 20, 2007

Dear (Credit Bureau Name),

After receiving a copy of my credit report, I have found incorrect information being reported.

As the attached document shows, my account at XYZ Company, account #111111, was paid in full as agreed and is not a charge-off. Please remove this notation.

The attached record clearly demonstrates that I never paid Kelly Co. 60 days late. My Kelly account number is #12344. Please correct this notation.

Tax Lien Docket #555555 was paid in full, as the attached copy of my receipt indicates. I do not owe this.

My name is John Doe, and I reside at 2233 Park Ave., Anytown, CA 22222. My Social Security number is 111-22-3333. My previous address was 6143 Summer Lane, Anytown, CA 22222. My birth date is 11-17-50.

Sincerely,

John Doe

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Sample Follow-Up Letter

June 20, 2007

Dear (Credit Bureau Name),

After receiving my credit report and checking my records, I have found information that is not correct. My name is John Doe, and I reside at 2233 Park Ave., Anytown, CA 22222. My Social Security number is 111-22-3333. My previous address was 6143 Summer Lane, Anytown, CA 22222. My birthdate is 11-17-50.

I do not have an account with Brewer's Collection, account #12456. As the attached copy of my records indicates, my account at Nelson's Dept. Store, #4441, was paid in full as agreed and should have a positive rating.

The bankruptcy case that appears on my report, docket #45667, for $100,000.00, on 10-12-88 is wrong and should not be on my report. This is not mine.

Sincerely,

John Doe