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 The Fair Credit Reporting Act (FCRA) allows you to dispute inaccurate, unveriable and outdated information.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