-
Step 1
Review the paper copy of the credit report and neatly mark the disputed items. Number multiple items for reference in the correspondence.
-
Step 2
Prepare a formal letter to each of the three credit reporting agencies. Write the date at the top of the page. Follow with the name, complete address and ten-digit phone number of the disputing party.
-
Step 3
Direct the letter to the "Dispute Investigation Department" of the specific credit bureau. Include the full address of the credit bureau. (See Resources)
-
Step 4
State in the body of the letter that there is inaccurate information on the credit report. List the discrepancy with concise details of why it's inaccurate. Cite any supporting information and include it with the letter.
-
Step 5
Indicate that a copy of the credit report is included and that the inaccuracies have been marked. Make copies of statements, records, payments and other communication. Maintain copies of the letters and all documentation.
-
Step 6
Sign the letter with the full, legal name of the disputing party. Be sure to include aliases (maiden name, legal name change, etc.) Include the social security number below the signature.
-
Step 7
Send the letter and all supporting documentation by post to Experian and Equifax. Submit the dispute online as required by TransUnion. Expect to be notified by each credit bureau within 30 days as to the final disposition of the dispute.
