Some of my customers have asked me for an example letter to send to the Credit Bureau, since I used to be a loan officer with first hand knowledge learning to help my clients.

First off, make sure you can provide proof (never mail original receipts - make copies & keep all originals in a safe place). Also, make sure your credit report is current, less than 90 days old. Ok, here goes....

Attention: (put in name of Credit Bureau - Experian, TransUnion or Equifax)

Report Number (this number is found on the top of your credit report)

Date:

To Whom It May Concern:

After reviewing my credit report, I have found inaccurate information that I would like to have corrected.

The following item(s) are incorrect: (This is where you list the name of the creditor, the account type, account number)

I am disputing (describe what is inaccurate concerning that account).

I would like to request the removal (or what specific change you are wanting) of this item, so please correct the information. (If you are providing some type of proof - add this next line...) I am providing proof of the inaccuratcy, see copy enclosed.

Sincerely,

Your name: (use full legal, no nicknames)

Your date of birth:

Your Mailing Address:

Your Social Security Number:

Your Phone Number: (best phone number to reach you during daytime hours)

You can NOT combine your dispute into one letter, naming all 3 credit bureaus, you must submit an individual letter to each credit bureau per inaccurate info. If only 2 are reporting something wrong, then only 2 credit bureaus will need letters. These credit bureaus will allow you to file a complaint online, but mailing seemed to get the quickest response for my past customers.

Address for Credit Bureaus:

Experian National Consumer Assistance Center, PO Box 949, Allen TX 75013-0949  or go online to: www.experian.com

Equifax Credit Information Services, PO Box 740256, Atlanta GA 30374-0256 or go online to : www.equifax.com

TransUnion National Disclosure Center, PO Box 390, Springfield PA 19064  or go online to : www.transunion.com

(Make sure you keep a copy of what was mailed to any of these Credit Bureaus)