FAQ
What is a credit dispute letter?
A credit dispute letter is a written request asking a credit bureau or creditor to investigate and correct inaccurate information on your credit report. It is the standard way to flag errors such as wrong accounts, outdated entries, or fraudulent activity and ask that they be fixed or removed.
What should a credit dispute letter include?
It should include your name and contact details, the specific items you are disputing, and why each is inaccurate. Attach copies of supporting documents and a copy of the report with the errors marked. Request an investigation and correction, and keep copies of everything you send for your records.
How long does a credit bureau have to respond to a dispute letter?
Under typical credit reporting rules, bureaus generally must investigate disputes within about thirty days of receiving them, sometimes extended slightly if you send additional information. They then report the results and correct or remove inaccurate items. Sending the letter by trackable mail helps document when the clock started.
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