Incorrect items may adversely affect your credit score and ability to get credit. Here is a sample dispute letter recommend by the Federal Trade Commission (FTC)”
Your Address, City, State, Zip Code
Name of Company
City, State, Zip Code
Dear Sir or Madam:
I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.
This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be removed (or request another specific change) to correct the information.
Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.
Enclosures: (List what you are enclosing)
If you have disputed incorrect or incomplete information on your Equifax, Experian or Trans Union credit report, then you may be entitled to money damages under federal law, the Fair Credit Reporting Act (FCRA). Contact attorney Micah Adkins for a free consultation.