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How to Dispute Inaccuracies in Your Credit Report

When writing a letter to the applicable credit bureaus, your letter should include:

  1. Your full name (including Jr. or Sr., etc.)
  2. Current address, and other addresses you have had in the past two years
  3. Date of birth
  4. Telephone number
  5. Social security number
  6. Your spouse’s name, if applicable
  7. Current employment information
  8. A clear description of the item in your credit report that you are disputing, along with a complete copy of the credit report that contains the disputed item – with the disputed item circled
  9. An explanation of why you are disputing the item on your credit report
  10. If you believe you are or may be the victim of fraud or identity theft, you must indicate this in your letter
  11. A request that the agency delete or correct the information
  12. Your signature and printed name, noting that the recipient should compare for a possible forgery

It helps to include copies of any documentary evidence supporting your dispute, and to note each document you are including in your letter (such as proof of payment; proof of correct name and address like copies of recent utility bills; copy of your identification).

Send a copy of the letter to the creditor(s) or other furnisher(s) of the disputed information at the same time.

It also helps to include information about how this inaccurate information is hurting you. For example, if you have received credit denials or a higher interest rate, include copies of that paperwork as well.

Send all dispute letters by certified mail, return receipt requested. Keep copies of everything that you send and the certification of receipt.

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