Use these sample letters to dispute inaccurate, erroneous, outdated, misleading, and unverifiable information in your credit reports.

When writing your dispute letters, it’s important to use specific words such as erroneous or outdated or unverifiable, so the credit reporting agencies will be motivated actually to investigate your claim. Merely explaining why debt was not paid might not constitute a dispute. You must give solid reasons to accept your written dispute; otherwise, the credit bureau may dismiss your dispute as frivolous. 

You are welcome to copy and paste any of the free sample letters displayed throughout this site. If you’d like an electronic copy of any letter, submit the FREE Request Form, and I’ll send you a copy FREE! 

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Correcting your credit files can be time-consuming and frustrating but well worth the effort. Simple things like correcting personal information and having outdated information and unauthorized credit report inquiries removed from your credit reports can dramatically improve your credit scores.

IMPORTANT! Under most circumstances, credit bureaus do not remove Accurate and Timely information from personal credit reports! These free letters are provided as examples to help consumers write their credit report dispute letters to get outdated information and unauthorized credit report inquiries removed from their credit reports to improve credit scores.