Credit Bureau Dispute Form Samples

When you check your credit report, you may find that the information on file is not entirely accurate. If you ever find information you know is not true, it could be harming your credit score and it is very important to have the information removed from the file as soon as possible. The best way to do this is by using a credit bureau dispute form. Keep in mind that not all items will display on all three major credit reports. It is a good idea to check all three.There is no official credit dispute form, but a letter to each credit bureau will suffice.

Dispute forms for credit reports should begin with a sentence to let them know you are writing to dispute information included on the report. Continue by providing detailed information about the item such as: the source, the amount in question, and the type of issue. State that you are attaching a copy of the report with the items in question circled. Then go on to state the reason for the dispute and provide documents to support the dispute. For instance, if the dispute is a bill you've paid, provide proof, such as a receipt, that the bill was paid. At then end of the letter, ask them to investigate and correct the report, sign your name and include a list of enclosures so they can make sure they have everything you sent with the letter.

A sample dispute form/letter is below:

August 28, 2009

Experian Credit Bureau

To Whom It May Concern:

I am writing to express that account number: XXXXX on your file with ABC Creditor, is incorrect. The issue is: (insert details here.) Attached you will find evidence to support my claim. I would appreciate further investigation into this matter and subsequent correction of my credit file.

Thank you,