Credit Report Dispute Letters

Here's how the credit report dispute letters work... First you got to get your credit reports from all three credit agencies. My suggestion to you is try to dispute every item that look suspicious. Call the creditors or companies that reported the item and ask them to remove it from your credit report. If they agree they will send you a letter confirming that they've requested the Credit Agencies to remove the items. Now, you will need to mail or fax your own credit report dispute letters to the Credit Agencies with theirs attached. It is always better to confirm it yourself than to simply rely on creditors.

There could be many things that you can dispute on your credit report... Here you'll find some real life examples of what people found in their credit reports... and successfully removed using the dispute letters.

Credit report dispute letters - examples

A late payment showing from many years ago collected in error by a specialty fashion store. The dispute letter was faxed to Transunion - transunion-dispute-fax-ameagle.html

Bally’s Fitness Club was double-billing for a membership after a person relocated to another state, and the erroneous late payment was posted to the credit report. The dispute letter was faxed to Transunion - transunion-dispute-fax-ballys.html

A specialty fashion store issued duplicate store credit card accounts in error, and this resulted in two accounts showing the same balance and number of delinquencies on a person's credit report. The dispute letter was faxed to  Experian - experian-dispute-letter.html and Equifax - equifax-dispute-fax.html

Unauthorized credit history inquiries were run by 3 different credit card companies without a person's knowledge, and were recorded by a credit agency. The credit report dispute letters requesting to remove these inquiries were faxed to Transunion - transunion-inquiries-fax.html

A collection agency failed to delete an item from a person's credit report as promissed. A request to remove this item from credit history was mailed to Experian - experian-dispute-letter.html

Mario Tricoci Inc. sent a bill to collection by mistake. The credit dispute letters requisting to remove this item from a person's credit history was faxed to Transunion - transunion-dispute-fax.html and to Equifax - equifax-dispute-fax.html.

Paid collection was recorded on this TransUnion credit report. Rental property electric bill wasn't paid on time. This entry was absolutely correct, however, using this short and polite dispute letter, the borrower persuaded Trans Union to remove it. It did take two letters sent within 60 days period - transunion-dispute-derogatory-letter.html. Credit score went up by 14 points almost immediately. Sometimes it is better to acknowledge something like paid collection on your credit report and then ask it to be erased. If denied, try again.

Experian credit history report had similar entry. Again, the borrower sent a similar letter - experian-dispute-derogatory-letter.html ... but he wasn't that lucky this time. It took 3 mailings for Experian to react positively. Fico credit score improved by 11 points in this case. In each case it took roughly 3 weeks for this person to get response from either agency.

This next letter is clearly an attempt to put the burden of proof on the credit agency. It uses a lot stronger language as it demands the agency to prove the information they reported. Also, it requests to explain the procedure that is used to determine the accuracy of information... This client never had a credit card and has paid cash for everything... but an inaccurate item got on his report in error - equifax-dispute-incorrect-letter.html.

Credit report dispute letter is a powerful tool. Under the law, credit agencies must reply within 30 days with some sort of resolution.

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