A credit repair/credit dispute email or letter to the Business that Supplied the Information Disputing Errors on Credit Reports sent to Credit Bureau / Agency. This template helps you mend the low credit score caused by the error.
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The document titled 'Credit Repair / Credit Dispute Letter' is an important tool for individuals who want to dispute inaccurate information on their credit report. It provides a detailed guide on how to write a letter to the credit officer of a company to dispute specific items on the credit report.
The entire document is structured as a formal letter, starting with the sender's and recipient's information, followed by the main body of the letter. The letter begins with a clear subject line stating the purpose of the letter, which is to dispute information in the credit report.
The main body of the letter is divided into several sections. The first section addresses the specific items that the sender wishes to dispute. The sender has circled these items on the attached copy of their credit report(s) for easy reference. The sender then explains why they believe these items are inaccurate or incorrect.
The next section of the letter depends on the desired action of the sender. If the sender wants the disputed item(s) to be removed from their credit report, they state this and provide supporting records. If the sender wants the disputed item(s) to be corrected, they state this and also provide supporting records.
The letter concludes with a request for a reply and a resolution to the problem. The sender mentions that they will wait until a specified deadline before seeking third-party assistance. They provide their contact information, including their address and email, for the recipient to reach out to them.
Overall, this document serves as a formal and detailed guide for individuals who want to dispute inaccurate information on their credit report. It provides a clear structure and guidance on what to include in the letter and how to present the dispute effectively.
To use the 'Credit Repair / Credit Dispute Letter' document effectively, follow these steps:
1. Gather necessary information: Collect all the relevant information, including your account details, address, and the specific items you want to dispute on your credit report.
2. Address the letter: Begin the letter by addressing it to the credit officer of the company that supplied the information to the credit bureau. Include the company's name and address.
3. State the purpose: Clearly state in the subject line that you are disputing information in your credit report. This helps the recipient understand the purpose of the letter right away.
4. Identify disputed items: In the main body of the letter, list the specific items you want to dispute. Use the attached copy of your credit report(s) to circle these items for easy reference.
5. Explain the dispute: Provide a detailed explanation of why you believe the disputed items are inaccurate or incorrect. Be clear and concise in your explanations.
6. Choose desired action: Decide whether you want the disputed item(s) to be removed or corrected. If you want them removed, state this and provide supporting records. If you want them corrected, state this and also provide supporting records.
7. Request a resolution: Conclude the letter by requesting a reply and a resolution to your problem. Mention that you will wait until a specified deadline before seeking third-party assistance.
8. Provide contact information: Include your contact information, such as your address and email, so that the recipient can reach out to you.
By following these steps, you can effectively use the 'Credit Repair / Credit Dispute Letter' document to dispute inaccurate information on your credit report and seek a resolution to the problem.