Writing a dispute letter to fix bad credit

Writing a dispute letter to fix bad credit

Although there are new online methods of disputing errors in your credit report by logging into the credit bureau websites, the original old-fashion dispute letter will always have a place in getting better credit.

The free sample dispute letter templates you’ll find elsewhere on this website will help you craft your own letters, and ultimately help you clean up your credit report.

You have the right to review your credit report free, and you have the right to get errors removed so that they don’t lower your credit score.

When writing a dispute letter to fix your credit, remember to always keep copies so you have proof that you’ve written them. Many credit experts recommend faxing the original, then mailing the copy to address of the creditor or credit bureau you are having a dispute with.

Tell the consumer reporting company, in writing, what information you think is inaccurate. Include copies (NOT originals) of documents that support your position.

In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected.

Click here to get more advice on writing your own credit report dispute letters.

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