Form letter to fix credit report errors

Fix credit report mistakes

Instruction: Use this form letter to help you in disputing information on your credit report.

Personalize the letter below by entering your specifics in the areas in red. You can print out this Web page and make your changes by hand or copy the body of the letter and paste it into a document where you can make your changes on your PC.

Billing errors

•	For something you didn't buy or for a purchase made by someone not authorized to use your account.
•	For something that is not properly identified on your bill or is for an amount different from the actual purchase price or was entered on a date different from the purchase date.
•	For something that you did not accept on delivery or that was not delivered according to agreement.
•	Errors in arithmetic.
•	Failure to show a payment or other credit to your account.
•	Failure to mail the bill to your current address, if you told the creditor about an address change at least 20 days before the end of the billing period.
•	Questionable items, or any item for which you need more information.

If you prefer to see a PDF version of the letter, click here. Or you can get it in .txt format by clicking here. (Copy the body of the letter and paste it into a document where you can make your changes on your PC.)

As an alternative, TransUnion offers a downloadable form for you to fill and send out, in order to initiate an investigation with them.

The addresses set up to receive disputes should appear on your credit report or you may use the ones below. Alternatively, you could initiate the dispute online.

•	TransUnion Consumer Solutions P.O. Box 2000 Chester, PA 19022-2000
•	Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374
•	Experian National Consumer Assistance Center P.O. Box 2002 Allen, TX 75013

Form letter

Re: Credit report error

Dear Sir or Madam:

I have discovered inaccurate information on my credit report maintained by credit agency name. The report is in my name, -- enter your full name here -- , and my Social Security number is enter your Social Security number here.

Enclosed, please find a copy of my credit report containing the mistaken data. I have highlighted the errors. Specifically, the following information is incorrect:

(Copy and paste as necessary)
Company name:
Account number:

Incorrect information:

Please investigate this matter with the creditor in question, and you should find there is an error. When that is confirmed, please remove this error from my credit report.

In addition, please make this letter a permanent part of my credit record.
If you have any questions about my request or the credit information in question, please do not hesitate to call me at enter your phone number here.

Thank you for your prompt attention to my request.

Your signature
Your typed name
Your address
City, state and ZIP code

Enclosure: credit report