Sample Letter

If you feel there are inaccuracies in your report, you should write directly to the credit bureau (Equifax, or TransUnion) that supplied the information. First, fill out the top part of this form. Then print the creditor name and account number of the item in question in the Creditor column. Also, print the specific reason for your disagreement in the Dispute column. If you have additional information that you believe supports your dispute, include it in the comments column. Finally, sign the sheet in the space marked Signature and mail the entire form to the appropriate credit bureau. We also recommend writing directly to the creditor (bank, department store or other lender) detailing the error and the corrective actions you have taken.

Credit Report Dispute Form #1

Click here to read "Credit Report Dispute Form"

The following is a sample letter requesting the removal of inaccurate information. Always include any copies of proof you may have (i,e., cancelled checks showing timely payments, paid off accounts, loans: anything that will show the information is indeed erroneous). It never hurts to include the consequences that have resulted from this wrongful information as well. The credit agencies give the most immediate attention to seriously wronged consumers. Remember, they are bombarded with 10,000 letters a day.

Sample letter- Credit Dispute Letter #1

Click here to read "Credit Dispute Letter"

Use the sample debt dispute letter below to write your own personal letter to dispute debts when you don't owe the money or at least you don't think you do. The Fair Debt Collection Practices Act requires collectors, once they've received your dispute letter, to cease contacting or callig you until they verify the debt is valid. Even though you've tried several times to explain why you do not believe particular debt is yours, the collector continues to ingnore your explanation and demands payment today! The conversation quickly deteriorates into verbal harassment and abuse.

Sample letter- Debt Dispute Letter #1

Click here to read "Debt Dispute Letter"

Would you like to read the rest?  Join today! 

Click Here to "Join Member Today."