How to Write an Effective
Credit Report Dispute
If you find errors on your credit report, the Fair Credit Reporting Act (FCRA) gives you the right to submit a credit report dispute to the credit reporting agency reporting it. A strong, well-organized letter can make all the difference in getting inaccurate information deleted or corrected.
Below is a guide on what your credit bureau dispute letter should include.
💡 PRO TIP: Do NOT use generic form templates you find online. Many contain errors or language that can weaken your claim. Use this guide instead.
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If you’d like a lawyer-approved template to get you started, simply mention it in your FREE Case Review form and we’ll email you one directly.
Key Information to Include in Your Credit Report Dispute
Identifying Information
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Full Name – Include Jr., Sr., etc. if applicable
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Current & Past Addresses – Provide your current address and any addresses from the last two years.
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Date of Birth & Social Security Number
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Telephone Number & Employment Info – Additional identifiers.
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Specific Account in Dispute – Send a copy of your credit report with the disputed item clearly circled.
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Reason for Dispute – Explain why the account or item is incorrect.
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Fraud or Identity Theft Concerns – Note if you believe you’re a victim.
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Request for Action – Ask that the bureau delete or correct the inaccurate entry.
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Signature – Print and sign your name so they can compare against possible forgery.
Documentation
Attach complete copies of supporting evidence, such as:
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Proof of payment or account closure
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Utility bills showing your correct address
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Government-issued identification
Always keep copies for your records. This can be key evidence if your case is litigated.
Send to All Parties
In addition to the credit bureau, send a copy to the creditor or furnisher that reported the error. This ensures the dispute is fully documented on all sides.
Explain the Harm
Strengthen your case by showing how the error has impacted you. Examples include:
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Loan denials or higher interest rates
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Employment delays due to background check errors
Attach copies of any rejection notices or heightened interest rate offers as proof (e.g., adverse action letters from creditors), and be sure to to include reference to the harm you have suffered in your credit report dispute letter.
How to Send
Always mail disputes by certified mail, return receipt requested. Keep copies of everything you send — including the proof of delivery (i.e., the green signature card).
This creates a paper trail that is critical if you need to enforce your rights in court.