Sample Letters to Use in Credit Repair

When writing a letter to a credit bureau to dispute an item on your credit report, it is important to keep it simple and direct and to include all pertinent information including your name, address, phone number and social security number.

It is a good idea to include a copy of your credit report with the disputed item highlighted, as well as any other supporting materials (i.e. a cancelled check, letter from creditor supporting your position), and a brief paragraph on why you believe the information is incorrect.

How to prevent professional burnout 300x300 Sample Letters to Use in Credit Repair

Sample Letters to Use in Credit Repair

The letter should be mailed certified with a return receipt requested. That way you will know that the letter was received and you should expect a reply within 30 days of the receipt date. When a creditor replies to your letter they will also include an updated copy of your credit report. Sample Letters to Use in Credit RepairThe addresses for the three credit bureaus are as follows:

Equifax
P.O. Box 740241
Atlanta, GA 30374-0241

Experian
P.O. Box 1017
Allen, TX 75013

Trans Union
P.O. Box 390
Springfield, PA 19064

Following are sample credit repair letters:

Sample 1

July 24, 2012

Dear Sir or Madam:

I am writing to dispute an item on my credit report. My name is Jane Doe, my current address is 123 Main Street and my social security number is 123-45-6789.

The item listed under the name of XXX is incorrect and I would like it corrected or removed from my credit report at your earliest convenience.

The above mentioned item states that a payment was 30 days late. I have contacted this creditor and confirmed that this is incorrect. For your convenience, I have included a copy of my credit report with the disputed item circled.

I appreciate your prompt attention to this matter. Should you have any questions, feel free to contact me at (282) 555-5555.

Sincerely,

Jane Doe

Sample 2

July 24, 2012

Dear Sir or Madam:

I am writing to dispute an item on my credit report. My name is Jane Doe, my current address is 123 Main Street and my social security number is 123-45-6789.

The item listed under XXX states that there is an outstanding balance of $949.99. However, this account is now paid in full. For your convenience I have included a copy of my credit report with the disputed item circled, as well as a copy of the cancelled check that confirms payment.

Please correct this information on my credit report at your earliest convenience. If you have any questions, please contact me at (282) 555-5555.

Sincerely,

Jane Doe

Sample 3

July 24, 2012

Dear Sir or Madam:

I am writing to dispute an item on my credit report. My name is Jane Doe, my current address is 123 Main Street and my social security number is 123-45-6789.

The item listed under XXX, states that this item has gone to collection and has an outstanding balance of $42.03. I tried contacting the creditor at the listed phone number, but the number was disconnected. Please provide me with their updated contact information or remove this item from my report.

Thank you for your prompt attention to this matter. Feel free to contact me at (282) 555-5555.

Sincerely,

Jane Doe

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