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Initial Dispute Letter

If you’re disputing what is on your personal or business credit report, first, find the errors, and then be ready for the “shock factor.” The fact is more than 40 percent of every single credit report has errors. They’re like moss on a Mississippi tree stump. If you do spot an error that you know is not accurate, it’s time to send-up a “red flag” letter detailing what you know to be factual; not what some person implied was true. By law, you’re allowed to add information to your credit report that you believe will not only dispute what is said, but aid your rating. However, what you write, will determine the strength and authenticity of your dispute; ergo, the initial dispute letter must be factual, and to the point.

Finally, your initial dispute letter should be mailed to all three credit agencies via certified mail, so you’ll know it was actually sent, and received; ergo, you can insure the person you wrote received the mail on the credit bureau’s end. Also, in your initial dispute letter, insist they send a corrected report to any person who requested a credit report on you personally within the past six months. Doing this will straighten out the matter rather quickly; at the very least, inform them of real facts, and not suppositions of what someone thinks happened.
Leave a Comment Below if this Initial Dispute Letter has been helpful!

*****Insert Bureau Address Here*****

RE: Request for Deletions of Inaccurate Credit Information

Name:________________________________________________

Current Address:___________________________________________________________

___________________________________________________________

Social Security Number:___________________________________

Date of Birth:______________________________________

To whom it may concern:

I have received a copy of my credit report and find the following items to be in error. Attached is a copy of my credit report.

Item and Account Number:______________________________________

Nature of Dispute:_____________________________________________

Item and Account Number:______________________________________

Nature of Dispute:_____________________________________________

Item and Account Number:______________________________________

Nature of Dispute:_____________________________________________

By the provisions of Section 611 of the Fair Credit and Reporting Act of 1970, I demand these items be deleted from all current and future credit reports. Please forward the names of any individuals and/or organizations you contacted so I may follow up with them directly.

I shall assume that 30 days constitutes a “reasonable time” for reverification of these entries. Through our interpretation of Section 611(a), it is understood that the failure to reverify these items within 30 days constitutes a reason to promptly drop the information from the credit report.

Pursuant to Section 611(d) of The Fair Credit and Reporting Act, please send notification that these items have been deleted. Please send an updated credit report to my address that is listed above. The provisions of section 612 state that there is no charge for this notification.

Very respectfully,

X___________________________________

*****Sign above and remove this line*****