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Sample Credit Report Dispute Letter


This is a sample credit report dispute letter that you can send to credit bureaus. Use this letter to request an update to or a deletion of inaccurate information on your credit report. Replace the [bold statements] with your information.

Sample Credit Report Dispute Letter

Your Name
Your Address, City, State, Zip Code
Complaint Department
Name of Company

City, State, Zip Code
Dear Sir or Madam:

I recently obtained a copy of my credit report from your agency and found the following item to be in error:

Item 1: I dispute [ABC credit card] account number [555111]. This account has been paid in full.

I am requesting that the item be [removed, updated, or other suggested change] to correct the information.

Enclosed are copies of [use this statement if you have bank statements, cancelled checks, or other documentation] supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Your name
Enclosures: [List the documents you are enclosing. If none, do not include this section].

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