Tips on Writing a Correct Credit Dispute Letter

Tips on Writing a Correct Credit Dispute Letter

There are times when even official records are inaccurate. They may be relatively unusual but a company can also give the wrong information about someone, or give somebody else’s information on another person’s document. This happens fairly often in credit reports. Credit bureaus aren’t immune to being imperfect entities, especially when there’s a lot of people (think around 200 million active files) that they need to track and tons of requests for credit reports as well.

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Having incorrect information on your credit report could be tantamount to having a not-so-great credit rating. This could also mean that there is an attempt to use your personal information to establish new credit, which further means that somebody is trying to steal your identity. Filing a dispute on incorrect data is your only recourse if this happens and this entails more work for you if you don’t know what you’re doing of course. So here are some steps on how to write the correct credit dispute letter.

First off, you need to pull your credit report from one of three credit bureaus. These three bureaus are Experian, TransUnion, and Equifax. You can pull a credit report from each bureau for free once every year. If you need an updated report apart from the free one, you will need to purchase it from them. Inspect the data entered into each of these credit reports and take note of the incorrect entries and which bureau the report came from. This will be important later on.

When inspecting the information, take a look at the public records, collections, and adverse history sections of the reports. Any information on these sections are items of concern. Inspect everything, including dates and amounts, not just the items themselves. You can start drafting your letter once you have all the incorrect entries listed.

You have to write a letter for each credit bureau that entered incorrect information on your credit history, for a total of three letters. Write your full name, address and social security number at the top of the letter. If you know who you should address the letter to, then, by all means, address the letter to that specific person. However, I am assuming you don’t so it’s okay to address the letter “To whom it may concern,”. The first paragraph can have the rationale of your letter. You can state that you have detected some incorrect information on your credit report and you would like them to conduct an investigation. The next paragraphs should list all the items that have incorrect entries. You should list all the incorrect entries in a single letter to the credit bureau to avoid your application dinged as multiple requests.

End the letter by signing your name and listing all documentation supporting your claims. Enclose a copy of your ID that lists your name and address very clearly. Also, attach all the documents that prove that the interactions that you are disputing are incorrect. The request and the response will be going through mail to ensure there is proof of receipt. Even then, you have to make a copy of the letter and the documents you attached.

This sounds like a lot of work, and Blue Water Credit – San Francisco credit repair company committed to giving our customers the best in credit repair services, including doing your credit dispute for you. Visit us at learn more about how we can help get your credit repaired.