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How to dispute the information on your credit report ›

How to , help the reporting companies identify you

How to, use the dispute template, and a example of a dispute letter.


Identifying Information


Company information


Dispute information


Send all proofs

Mary Jones

Account Number:  123456

DOB: 01/01/1984

Address: 123 Credit St.

Atlanta, Ga. 12345

Date: 01/01/2021

Bank/loan company name

123 Loan Money Pkwy

Atlanta, Ga. 12345

Account number 123456

To whom it may concern

I am writing to dispute information on my credit report. The items I’m disputing are listed below and are highlighted within the attached copy of credit report.

(List the items and provide proof, also sending equifax, transunion, and experian, credit report, showing the highlighted errors area)

Enclosed are copies of (payments records, letters from the creditor, court documents, and other documents etc) supporting my dispute. Please investigate this matter and update my credit report by removing these negative items from my report. If you have any questions, please contact me at (111)111-1111

  • A copy of the credit report from the 3 reporting companies

  • Proof of documents for the items being disputed

  • Any type of proof of payment ( bank statements/receipts. etc)

  • Send everything certified mail and with proofs or receipts

Payment history 35%
Amount owed 30%
Type of credit used is 10%
New credit is 10%
length of credit is 15%

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