How to Draft a Dispute Letter to the Credit Reporting Agencies

Below are recommended guidelines on how to draft a dispute letter to the credit reporting agencies:

  1. Your Full Name, Address, and Social Security Number. Include the complete Social Security number. This is the most reliable identifier in the Credit Reporting Agencies database.
  2. **If possible include a copy of your Drivers’ License and a utility bill/ bank statement which has your current address.

  3. Include a detailed description of the inaccuracy you are hoping to correct. Make sure to include any documentation that proves your case. (For example if you have made the payments that are shown as delinquent include proof of payment, if your identity was stolen visit this website for further information on what to include: www.identitytheft.gov ). Use a separate paragraph for each disputed tradeline.
  4. Include a copy of the credit report and highlight the disputed tradelines. Make sure to reference the enclosed documents in your explanation if you are attaching additional documents.
  5. Ask specifically what you want the Credit Reporting Agency to do. (If you want them to delete the tradeline completely, or correct a tradeline to show a payment was made, etc.).
  6. Send the letter via certified mail return receipt requested. Make sure to retain a copy of the letter you send to the Credit Reporting Agencies. It is also good practice to send a copy of the letter to the Furnisher/creditor/debt collector reporting the debt to the Credit Reporting Agencies.
  7. The following are addresses where you may mail your disputes to the Credit Reporting Agencies:

    Equifax Information Services LLC
    P.O. Box 740256 Atlanta, GA 30374

    Experian
    P.O. Box 4500 Allen, TX 75013

    TransUnion LLC Consumer Dispute Center
    P.O. Box 2000, Chester, PA 19016