Sending Dispute letters to
Use this sample to draft a letter disputing errors on your credit report.
Clearly identify each item in your report you dispute.
Explain why you dispute the information, and request that it be removed or corrected.
Enclose a copy of your report with the items in question circled.
Send your letter by certified mail, “return receipt requested,” so you can document what the credit reporting company received.
Include copies (not originals) of the applicable enclosures.
Save copies for your files.
Send to each of the credit bureaus at the addresses listed below.
Experian - Dispute Department. PO Box 4500. Allen, TX 75013.
Equifax - PO Box 740256. Atlanta, GA 30374-0256.
TransUnion - TransUnion Consumer Solutions. PO Box 2000. Chester, PA 19016-2000.