When you want to fix your credit score, it is important to write a well-structured dispute letter. Your letter should point out the disputes, have supporting facts, and what change you are requesting. You might also want to attach a credit report copy highlighting the negative information or credit errors. But how do you write a dispute letter? It is tricky because it is not the same as you do with the other formal letters. So, I decided to share a dispute letter template that will help you write your own dispute letter.
Writing a dispute letter needs some special attention and thorough analysis; if you are unsure, you can always use DisputeBee to get automated credit disputes written for you. If you are unsure, you can read a review on DisputeBee here.
How to Write a Dispute Letter – Template
As I mentioned earlier, writing a dispute letter needs some special attention. If your letter does not have the required information, there will be no change, and your time will only be wasted.
Here are a few pieces of information that you need to have in your dispute letter –
- Items that you want to dispute
- State the facts and explain why the items are negative or error
- Request for removal or correction
- Copy of supporting documents and credit report
Remember to mention the above information, or it will be unclear for creditors, bureaus, and others to correct the entries. You can check the blog post on how to write a dispute letter to creditors to get a quick idea. But what if you don’t know such information? We got a fix; you can use DisputeBee software to generate automated dispute letters and track them with one click.
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[Sample] Dispute Letter Template
Here is a sample format on how to write a dispute letter to creditors, bureaus, collectors, and more. Do follow this step-by-step procedure.
[Your Name] [YourAddress] [Your City, State, and Zip Code] [Date] Complaint Department [Company Name] [Street Address] [City, State, Zip Code] Dear Sir/Madam, I am writing this letter to dispute the following information on my credit report. I have encircled the items of dispute on the attached copy of the report I received. This item [identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.] is [inaccurate or incomplete] because [describe what is inaccurate or incomplete and why]. I am requesting that the item be removed [or request another specific change] to correct the information. Enclosed are copies of [use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents] supporting my position. Please reinvestigate this [these] matter[s] and [delete or correct] the disputed item[s] as soon as possible. Sincerely, Your name Enclosures: [List what you are enclosing.]
Source: Article by FTC [Federal Trade Commission]
Now that you are ready with your dispute letter, you need to post it to the respected department such as bureaus, creditors, collectors, and other credit disputes. You can combine similar disputes with being addressed to one particular address rather than creating multiple dispute letters for a single address.
Also read: How to Write a 609 Dispute Letter [With Samples/Template]
Want to create automated dispute letters for your credit report and track them? Check our DisputeBee Review.
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| In Business Since | Overall Score | Reputation |
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Disputes ready in as quick as 72 hours, The Credit Fix guy is our ready-to-go credit repair company. It has a simple fee structure, and there is no SSN required to get started.
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With the support of professional attorneys, credit repair experts, financial guides, and dozens of other core members on the team, it has proven to be actionable in and around 50 states of America.
Credit Firm has a simple and straightforward process to fix the credit scores, making it one of the best. This service is best for those who are looking for better jobs and faster credit and loan approvals.
| In Business Since | Overall Rating | Reputation Score |
| 2010 | 4.0 | 7/10 |
You may also like to read,
- Best Credit Repair Business Software Kit to Kickstart Like a Pro
- DisputeBee vs Credit Repair Cloud | Which is the Best Credit Repair Software
- Best White Label Credit Repair Software – Credit Repair Cloud
Final Words
You can use this sample letter to create your dispute letter, or a better choice if you use DisputeBee to generate automated dispute letters and track them with advanced tools. If you have heavy debt, you might want to check out CuraDebt debt relief [Free Consultation].
