How To Write Letters to Credit Bureaus and
Get The Result You Want

Writing letters to credit bureaus can be a daunting task. You may be a little intimidated by the thought of writing letters to credit bureaus. In actual fact, preparing dispute letters can be challenging yet fun. Our primary goal here is to teach you how to draft your own letters to get the results you want.

Remember the law is on your side. But you must have some knowledge of the credit laws so that you know which one to use to justify your dispute. The Fair Credit Reporting Act (FCRA) allows you to dispute inaccurate, unveriable and outdated information.

WHAT TO INCLUDE IN CREDIT DISPUTE LETTERS

Make sure every dispute letter includes the following:

    • Your full name: first, middle, and last and including any applicable suffixes (Jr, Sr, II, etc.)
    • Your mailing address
    • Proof of current mailing address
    • Utility Bill
    • Voter Registration Card
    • Driver's License (Must have current address)
    • Your date of birth (DOB)
    • Your Social Security
    • The name and account number of the item(s) in question
    • The specific reason for the disagreement with the disputed item
    • The desired outcome of the dispute, such as removing the item from the credit reports or adjusting it to “never late”.

BODY OF CREDIT DISPUTE LETTERS

Write in your natural style. The body of the credit dispute letter will vary depending on the type of credit repair tactic. Always keep tone professional and courteous. If you are disputing multiple items, then list each one separately with dispute reasons and instructions next to it. The instructions will be the call to action such as "Please adjust account to never late", or "Please correct or delete this inaccurate information immediately".

Two lines below the body text of your letter, you should end with a closing such as:

  1. Sincerely,

  2. Thank you

  3. Cheers

  4. Your Prompt Response is appreciated

  5. Thanks a Bunch

  6. Have a Great Day

Here is a link to a sample Credit Dispute Letter.

Register here and get your free download of our Audio CD "The 10 Most Obvious Credit Mistakes and How to Avoid Them"

Get Credit Information and decide for yourself who to trust
to help legally improve your credit.







Credit Improvement Tip#2

"Why It's Not in the Credit Bureau's Best Interest to Help You Fix Your Credit"



Sign up

Copyright © 2010 GCI, LLC All rights reserved