How to dispute Negative or Inaccurate Information on Your Credit Reports with my Free Dispute Letter Templates

In Credit Score Hacks and The Credit Cleanup Book, I outline the dispute process to remove negative, inaccurate or outdated information on your credit report.

If you want to start this process, don't attempt to write your letters from scratch. In fact, I advise against this, because there are specific legal guidelines you'll want to include and reference to protect yourself.

Instead, use these easy and proven template letters as a guide, and easily plug in your own personal information before sending them off to the credit bureaus.

Here's What You'll Get:

  1. Instructions
  2. First Credit Dispute Letter
  3. Follow-up Credit Dispute Letter
  4. Subsequent Credit Dispute Letter
  5. Credit Inquiry Removal Request Letter
  6. BONUS Creditor Dispute Letter
  7. BONUS Collection Agency Demand to Stop Contact Letter

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Details: 

1. First Credit Dispute Letter: 

This letter is for credit reporting agencies. It is to be used the first time you request inaccurate or adverse information to be removed from your credit report.

2. Follow-up Credit Dispute Letter:

This letter is for credit reporting agencies. It is to be used the second time, or thirty days after your first request for inaccurate or adverse information to be removed from your report.

3. Subsequent Credit Dispute Letter:

This letter is for credit reporting agencies. It is to be used for subsequent requests for inaccurate or adverse information to be removed from your report.

4. Credit Inquiry Removal Request:

This letter is for creditors only. Send it when demanding that they update or remove inaccurate and adverse information.

5. BONUS: Creditor Dispute Letter Request:

This letter is for creditors only. Send it when demanding that they update or remove inaccurate and adverse information.

6. BONUS Collection Agency Demand to Stop Contact:

This letter is for collection agencies. Send it to demand that they cease communications with you immediately, per the Fair Debt Collection Practices Act.

What are you waiting for?

Download your template letters, customize, and send them today. Start working toward a higher credit score now.

 


How to Read a Credit Report

My sample credit report shows you how.

Get a line-by-line description of what's inside a credit report, and what it all means.