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If you have recently pulled your credit report and are aware about an entry that is inaccurate, you may want to report it to the credit bureau as soon as possible. You need to be very specific in asking the credit bureau to remove the entry. Specify which entry is incorrect and why you think it is incorrect. If possible, attach copies of receipts you are disputing. To fix or correct entries in your credit report, you need to make it easy for the representative at the credit bureau to resolve your request as quickly as possible.

Chances are, the credit bureau may not remove the reported item in your first try. When this happens, do not get dismayed. Most individuals have reported trying several times before the inaccurate or erroneous entries have been finally removed for good, from their credit reports. Be persistent and firm in your disputes and all your communication needs to be sent via certified mail. This paper trail is critically important in case you have to seek help from an attorney on your credit report case.

Here is a sample credit report dispute letter.

Date:

Name of the credit bureau
Address of the credit bureau
City, State, Zip code

Reason: Disputing entry in credit report.

From: Your name

Dear Sir / Madam:
I am writing to dispute certain items in my credit report. The disputed items have been circled on the attached copy of my credit report.

Item 1: Name of the creditor, type of item
Reason for dispute: This item is inaccurate because ... I am requesting the item be corrected / removed.

Item 2: ...

Enclose copies of credit report, receipts, payment records, court documents, cancelled checks.

Please investigate this matter as soon as possible. Looking forward to a positive reply.

Sincerely,



Cc: creditor(s)

Enclosures: (List what you are enclosing along with the letter)

Send the credit report dispute letter to the credit bureau via certified mail and request a return receipt. After a few days, call the credit bureau to inquire if they have received your written communication. Credit bureau has 30 days to correct or respond to your communication.

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