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Sample Credit Report Dispute Letter

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    Looking for sample credit report dispute letter? We guide you by giving tips and example which will help you in letter writing.

    Credit report shows your entire credit history and it’s recommended to check it yearly to make sure all of the reported information is correct.

    While credit score is a number generated by formula or algorithm based on the information in your credit report.

    Bear in mind that credit score could be used for credit card applications, auto loans, mortgages and insurances as the number indicates your credit risk. Credit risk is what a lender will use to determine your interest rate on your financing.

    Credit report information is typically sourced from credit bureaus and they offer online service to accept credit report dispute case.

    But we think it’s still a good idea to write credit dispute in letter form for your records. Here’s the example of the letter which you can modify based on your situation.

    Sample Credit Repair Letter To Credit Bureau

    (Sender Name)
    (Sender Title/Position)
    (Sender Organization Name)
    (Sender Street Address)
    (City, State, Zip Code)


    (Company Name)
    (Street Address)
    (City, State, Zip Code)

    Dispute Investigation Department,

    I recently obtained a copy of my credit report from your agency and found the following item to be in error.

    (List each inaccuracy on your credit report and specify what it should be replaced with).

    Enclosed is the marked copy of my credit report to assist your investigation.

    In addition, I have included (list the copies of account records, bank statements or other documentation) to support my position.

    Please feel free to call me at 012-3456789 if you have any questions or need additional information to resolve this credit dispute.

    Thank you for your assistance on this matter.


    (Social Security Number)

    Enclosed: Credit Report

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