Sample Letter for Erroneous Information on Credit Report
Description Sample Credit Dispute Letter
How to fill out Sample Letter For Erroneous Information On Credit Report?
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FAQ
Tell the credit reporting company, in writing, what information you think is inaccurate. Tell the information provider (that is, the person, company, or organization that provides information about you to a credit reporting company), in writing, that you dispute an item in your credit report.
The name 623 dispute method refers to section 623 of the Fair Credit Reporting Act (FCRA). The method allows you to dispute a debt directly with the creditor in question as long as you have already filed your complaint with the credit bureau and completed their process.
Equifax. Equifax Disputes. All disputes with Equifax are handled online. Experian. Experian Disputes. All disputes with Experian are handled online. TransUnion. 1-800-916-8800. TransUnion Disputes. 2 Baldwin Place, P.O. BOX 1000. Chester, PA 19022. TransUnion Disputes.
Request credit report. Identify errors. Fill out a credit bureau dispute form. Print out your credit report and notate the errors. Send your dispute to the credit bureau(s)
Credit report with the account in question circled and/or highlighted. Birth certificate. Social Security card. Passport (if you have one) the page showing your photo and the number.
If you identify an error on your credit report, you should start by disputing that information with the credit reporting company (Experian, Equifax, and/or Transunion). You should explain in writing what you think is wrong, why, and include copies of documents that support your dispute.
Tell the credit reporting company, in writing, what information you think is inaccurate. Tell the information provider (that is, the person, company, or organization that provides information about you to a credit reporting company), in writing, that you dispute an item in your credit report.
Your full name. Your current address and all addresses you have lived at over the past two years. Copy of a government-issued ID. Copy of a utility bill, bank statement, or insurance statement. A reference line that begins RE: and includes the name of the creditor and the account number for the item(s) you're disputing.
Your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your report with the items in question circled.
