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 The Fair Credit Reporting Act (FCRA) allows you to dispute inaccurate, unveriable and outdated information.


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”.


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.

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