Sample Credit Dispute Letter

A rebuttal letter of credit is a tool that you can use to obtain inaccurate information removed from your credit report. You can also ask each consumer reporting agency to delete the record or edit it in some other way. The dispute management services will conduct an inquiry and grant or deny your request. Here's what you need to know about how to write a rebuttal letter of credit:

Sample credit dispute

Are the three main components of any letter you wrote:

A statement that the record is incomplete or in the case of inaccurateExplanation reasons why the record is not completed or correctA specification required action, for example, to delete or modify information

The Federal Trade Commission offers a full credit dispute letter when contesting mistakes on your credit report at http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm. Here's an excerpt from the letter that incorporates the three main components:

"This item (identify items disputed by name of source, such as creditors or tax Court, and identify the type of item, such as a credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I ask that the item be deleted (or request another specific change) to correct the information. "

Things to accompany the letter

Investigators at the communication agencies will pay particular attention to the reasons which I have established for the records must be amended. It is important to provide a detailed explanation as possible. In addition, you must include documentation supporting your claims. You have many options for supporting documentation, including:

Copy of your credit report with the highlighted record or the documentsRecords of encircledCourt of paymentsLetters by creditors that confirms the payment in full of the debt

It is often not enough to make your requests without some documentation, if you want investigators to undertake the actions you have requested. Make sure that the documentation refers to the explanations that you gave in your letter. If you provide has nothing to do with your statement that the record is incomplete or incorrect, then the credit dispute letter will not be effective. To obtain a free credit report, visit www.annualcreditreport.com.

Where to send the letter

You should address your credit dispute letter to Department of complaint in each of the consumer reporting agencies. The addresses are as follows:

TransUnion

Complaint Department

P.O. Box 6790

Fullerton, CA 92634

Experian

Complaint Department

P.O. Box 9532

Allen, TX 75013

Equifax

Complaint Department

P.O. Box 740241

Atlanta, GA 30374-0241

Your letter will be forwarded to investigators who will notify you that they are in receipt of your letter, and at a later date will explain the outcome of your request.

Take immediate action by sending a credit dispute letter when you discover a discrepancy on your credit report. You can order a free credit report annually or pay for a service that sends alert based on new records that appear on your credit report.

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