In my last post, I wrote about the importance of disputing errors on your credit report as a means of raising your credit score. Today, I’d like to provide a sample dispute letter, along with the addresses of the three major credit reporting bureaus – Equifax, TransUnion and Experian.

Writing a dispute letter takes only a few minutes, but can save you a world of headaches when you’re trying to repair your credit. Think of it this way – someone else does most of the work, and you potentially get to reap massive financial benefits. A correction can make a difference of 30-50 FICO points or more, which significantly affects your ability to get a credit card, buy a house or get a job. It can even affect how much you pay for auto and home insurance.

So here we go!

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Complaint Department

(Name of Reporting Bureau)

Address

City, State ZIP

Date

Dear Sir or Madam:

This letter is intended as a dispute regarding items on my credit report that are inaccurate. I have included a copy of my credit report with the inaccurate items highlighted.

The erroneously reported items are as follows:

(Provide a description of the entries you want removed from your credit report.)

To expedite the review process, I have included documentation showing that the items listed above are inaccurate. This documentation includes (list and describe each piece of supporting documentation.) I hope you find the documentation helpful when conducting your review and issuing a determination.

Thank you in advance for your time and attention to this matter. I look forward to receiving written documentation of your determination.

Siuncerely,

Your Name

Your Address

City, State ZIP

Telephone Number

Email Address

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Here are the addresses where you will need to send the letters:

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TransUnion Customer Solutions

P.O. Box 2000

Cheater, PA 19022-2000

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Experian

P.O. Box 2104

Allen, TX 75103

****

Equifax Information Services, LLC

P.O. Box 740256

Atlanta, GA 30374

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