Credit Repair - Tips for Writing Effective Dispute Letters


Credit Repair - Tips for Writing Effective Dispute Letters

Whether you are writing to the furnisher or the credit bureau to dispute information on your credit report, here are some guidelines that can help make your dispute more effective:

1. Include your name, address, social security number, and account number(s) (if they are relevant to your claim) at the top of your letter so your credit file and the disputed information can quickly be found.

2. Write your letter by hand IF your penmanship is easy to read; otherwise, type it.

3. Keep your letter brief and to the point.

4. Describe exactly what is wrong and what needs to be done in order to correct it.

5. Send your letter by certified mail with return receipt requested.

6. Include documentation if you have it – always include copies and keep originals for your own records!

7. Keep a copy of any letters you send.

8. Keep a copy of any correspondence you receive.Keep in mind credit bureaus receive thousands of disputes every day, so it’s especially important if you’re writing to the bureau to make your letter as clear as possible. You may want to ask a trusted friend or relative to review it for you to make sure they understand it.

Remember, the representative who receives your dispute must be able to understand it in order to respond appropriately. In either case, whether the credit bureau or the furnisher receives your dispute, that organization has thirty days to investigate and respond back to you with the results. If you disputed the information with the credit bureau, it must also provide a free credit report showing the updated information, if corrections were made.​

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