More For Your Money - University of Illinois Extension

Seven Things To Remember When Filing a Dispute

  1. Include copies (NOT originals) of documents that support your point.
  2. In writing, include your complete name and address.
  3. Your letter should clearly identify each item in your report that you dispute.
  4. State the facts and explain why you dispute the information.
  5. Request that the information be deleted or corrected.
  6. You may want to enclose a copy of your report with the items in question circled.
  7. Send your letter by certified mail, return receipt requested. Then, you will know when the consumer reporting company received your letter. Keep copies of your dispute letter and enclosures.
Make sure you follow up with all three credit bureaus to make sure that the corrections have been made.