Your name
Your address
Your City, State and Zip
Credit reporting agency Name
Credit reporting agency Address
Credit reporting agency City, State, Zip


Consumer: Your name
Address: Your address
Social Security Number: Your social – security – number
Disputed Trade Line(s): Specifically identify the name of the creditor and account number and the amount of the trade line.


Dear Gentleperson:Please be advised that I dispute the above referenced trade line on my consumer credit file with your agency. This item does not belong on his credit report because….[ state the reason why you believe that this trade line is in error. Enclose any supporting documents you have to prove your contention. Remember, the more information you provide to the credit reporting agency in support of your position, the greater your chances are of getting that trade line fixed.]Pursuant to the Fair Credit Reporting Act, I ask that you conduct a reasonable reinvestigation into this dispute and ask the furnisher to do the same. Please feel free contact me if you need any further information.


Thank you.

Very truly yours,

If you have items on your credit report that are incorrect, call or email [email protected] for a free, no obligation consultation toll free at (888) 293-2882.