The Federal Trade Commission has an example of a good letter on their website and it may be a good idea to follow that form if you need to write a dispute letter. Writing a bad dispute letter will not stop the world from turning. It may even get you some results. But if you handle things the right way you will get results much quicker.
No Need to Go Into Detail
A credit dispute letter should be short and simple. You don't need to include a lot of personal, irrelevant information. Simply explain the error the error that you found and include a copy of your credit report with the error highlighted.
A Business Letter
Your dispute letter should be a one page business letter. It is fine to write the letter, in ink of course. However, it is always best to type a business letter so that there is no problem with legibility. The letter should be signed in ink. Never use all caps when typing a dispute letter. This is like yelling at a person in print and that is never appropriate in a business letter.
Follow The Instructions Given
The credit reporting agencies to not leave any guesswork in how to properly dispute errors on your credit report. Some errors can be disputed over the phone. For other errors you must dispute them in writing and there is a specific office that your disputes should be sent to. Credit reporting agencies provide all this information for you so that you do not have to try to figure out how to dispute an error.
If you do not follow the instructions given by the reporting agencies they will not be able to correct the error. For example if Equifax makes an error with your social security number on your report they will need a copy of your social security card or copies of your W-2 to correct that error. If you send them a dispute letter and fail to send a copy of your social security card or W-2 they will not be able to correct the error. They will send you a letter asking you to please comply with the instructions given. This is a waste of your time and theirs. It is better to follow the directions from the beginning. Also, remember that if they request documentation of any kind you should always send copies. Never send your original documents.
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