Credit Report Dispute Letter #1 (Initial)

Use this letter when your credit reports contain inaccurate, erroneous, outdated, misleading or unverifiable information. Removing this type of information improves your credit scores.

Our personal credit history is one of our most important assets and should be guarded carefully. Any information that is inaccurate should be corrected so that potential creditors, employers, insurance companies and other organizations see an accurate picture of our credit profile when they request copies of our personal credit reports.

Consumers can have inaccurate information corrected by sending the credit reporting agencies (CRA) a written request outlining exactly what needs to be corrected. The easier you make it for CRAs to verify your dispute as legitimate, the quicker they will correct your credit profile, and in turn the quicker it improves your ratings.

WARNING! Accurate and timely information cannot be removed from your personal credit reports! Use the free sample letter below only if you believe the information you are disputing is inaccurate! Use the example below to compose your own personal dispute letter.

Remember, when disputing information on credit reports it’s important to use specific words such as erroneous, outdated, misleading, or unverifiable. Just stating why you failed to pay the debt will not compel credit reporting agencies to launch an investigation into your dispute.

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, simply submit the FREE Request Form or Get all letters in one convenient package

Free Sample Letter for Correcting Inaccurate information in Personal Credit Profiles and Reports

Today’s Date

Your Full Name
Current Address
Current Phone Number

Attention: {insert credit reporting agency name} See addresses below
{add CRA address here}

Dear {credit reporting agency}

This letter is a formal request to correct inaccurate information contained in my credit file. The item(s) listed below is/are completely (insert appropriate word(s) {inaccurate, incorrect, incomplete, erroneous, misleading, outdated} ). I have enclosed a copy of the credit report your organization provided to me on {insert date of report here} and circled in red the item(s) in question.

Line Item: {insert name of creditor, account number or line item number)

Item Description: (this info is found on your credit report)

Requested Correction: (describe exactly what you want. If you want an item deleted say so and explain why. If you want an item corrected or updated, provide the correct information such as names, dates, amounts and so forth and any evidence to support your claim).

In accordance with the federal Fair Credit Reporting Act (FCRA), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately {delete, update, correct} the item.

Furthermore, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months.

If your investigation shows the information to be accurate, I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act.

I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at (insert daytime phone number including area code).


Your Printed Name

Credit Bureau Dispute Addresses

National Consumer Assistance Center
PO Box 2002 Allen, TX 75013

TransUnion: (Eastern United States)
P.O. Box 2000
Chester, PA 19022

TransUnion: (Western United States)
P.O. Box 34012
Fullerton, CA 92831

TransUnion: (Puerto Rico)
Puerto Rico Consumer Relations
P.O. Box 13968
Santurce Station San Juan, PR00907-3968