Below is a sample dispute letter you can use when contacting the credit bureaus to dispute errors on your credit report. Please feel free to make adjustments to the letter as necessary.
Your Address, City, State, Zip Code
Credit Reporting Agency
City, State, Zip Code
To Whom It May Concern:
I am writing to dispute the following information in my credit report. I have circled the items I dispute on the attached copy of the report I received.
This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why).
I am requesting that the item be removed (or request another specific change) to correct the information.
Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) which support my dispute.
Please investigate this (these) matter(s) and (delete or correct) these disputed item(s).
Enclosures: (List what you are enclosing.)