If you find errors on your credit report, don't delay in sending a dispute letter – the reporting agencies are under no obligation to investigate your report unless you request it in writing. When you send the letter, make sure that you provide all pertinent information. A letter in dispute of errors on a credit report must include not only a clear and specific description of your situation, but also evidence in support of your claim. Don't forget to make copies of all documents that you send, including the letter itself, and maintain the information in a file for future access.
Sample Dispute Letter: Incorrect Report of Missed Payments
This letter is appropriate for your situation if a creditor has reported missed or late payments, which have an instant negative affect on your credit score. Send copies of bank statements showing payment, canceled checks or statements from the creditor showing the payment as well as any additional information that supports your statements. Never send the original supporting documents, to protect yourself in the event of the loss of the documents or file.
To Whom it May Concern:
I am writing to file a dispute regarding the following entry in my credit file. I have highlighted the entry that I am disputing on the attached credit report.
