Hand Writing A Letter

Disputing Inaccurate and Incomplete Information

When you receive your report, you should examine it in its entirety, not just those items you suspect may be in error. Study each entry carefully to see what part of the entry is inaccurate. For example, does the item indicate the correct status? Are the dates correct? Are the amounts correct? Account numbers correct? If you find errors in your credit report, you should write to the credit-reporting agency to dispute the entries you feel are being reported inaccurately. Try not to dispute more than four to six items in a single letter. If you need to dispute more than four items, mail a separate letter thirty days later (after the first letter was sent), listing the additional items.

Your dispute should be in writing and contain:

  • your complete name and address;
  • a clear identification of each item in dispute;
  • an explanation as to why you dispute the information, and
  • a request that an investigation be initiated.

Be sure to include copies (NOT originals) of documents that support your claim. You may wish to enclose a copy of your report with the items in question notated. Send your letter by certified mail, return receipt requested, so you have proof that your claim was received. Also, keep copies of your dispute letter and enclosures for your records. Two sample dispute letters have been included for your convenience (view samples). As you'll see, the letters don't have to be extensive, but they do have to include all of the relevant information you can provide.