Sample dispute letter to remove credit report listing

Submitted by Richard on Fri, 04/04/2008 - 10:40
Forums

Your full Name:
Your permanent address:
Present contact number:

Name of credit reporting agency
Address of credit reporting agency

Dear Sir or Madam,

I would like to dispute some inaccurate information I have discovered on my credit report. The items I believe to be incorrect are listed below. I am also including a copy of my credit report with the disputed information highlighted.

  • Creditor name and account number
  • Description of the item
  • Item(s) and an explanation of what you want the credit bureau to do with the information, along with valid proof to support your claim.

In compliance with the Fair Credit Reporting Agency (FCRA), I request that you investigate this matter and update my credit report accordingly.

If your investigation validates the listing, please provide me with an explanation if the procedure you used to validate the listing within 15 business days of your completion of the investigation, as per the FCRA. I also request that you send me a copy of the information you gathered as a result of the investigation.

If your investigation shows this listing to erroneous, please update my credit report and send me a copy of my updated credit report.

Sincerely,

Your signature
Your name

You have share very nice content of this latter it really helpful for me, Keep sharing such type of information in future too.

Tue, 07/02/2013 - 07:17 Permalink
Shaun (not verified)

I really like the dispute letter posted. Can I use this as a dispute for something that has been on my credit for more than 7 years?

Thu, 07/18/2013 - 15:50 Permalink
Sharlene (not verified)

I would check your particular state's laws in rderags to zero income entities. I know that Nebraska requires an annual tax filing even if there was zero income.I'm not quite sure on the Feds but we just go ahead and file a zero tax return anyways for our clients.If you created the LLC this year, I will bet the bank that you incurred some startup costs when your organized. You are able to if you choose deduct those startup costs as they are most likely under $ 5000 the amount the IRS allows before start-up costs must be amortized.It might be different though if you are a single member LLC who normally files a Schedule C and not a 1065.I would consult your accountant or a tax professional since I don't know your situation or state laws.

Sat, 08/31/2013 - 22:03 Permalink
Prescillia (not verified)

Hi Jon, All 0% cards that I have seen the rate gets higher after 12 or 18 mnhots. If you can't pay out in that time you might look for a card with a low 2.9% or 3.9% for the life of the balance transfer. After you get the card check the limit if it isn't enough to cover the 15K that you need call the company and ask them to raise the limit. Even tell them what you want the money for. If you already have a credit card you should first try calling the company and see if they can work out a good deal for you. I know this can be done.We had an offer of 2.9 for the life of the balance transfer but the limit was only 10K. We called the company and told them that the note we wanted to pay off had a 15K balance and they aproved it.Good Luck

Mon, 09/02/2013 - 13:06 Permalink
Anonymous (not verified)

I am agree with you, this format is very helpful for the people.

Mon, 12/09/2013 - 05:14 Permalink
crorkz matz (not verified)

3WGvoO wow, awesome blog article.Thanks Again. Want more.

Tue, 08/05/2014 - 13:29 Permalink
matzcrorkz (not verified)

XUMtty I really enjoy the blog post.Really thank you! Keep writing.

Tue, 08/05/2014 - 22:49 Permalink
kimtherrien (not verified)

who do I mail the letter to

Wed, 08/05/2015 - 23:30 Permalink
Litisha Harris (not verified)

This loan that I have open on a car a Chrysler PT cruiser in2011 the car was driving bad when I bought the car and the dealer said that they could fix the problem and spoke on the problem before I sign the lease and he offered to fix the car and before they could get the car fix the car quit several of times and the last time it quit the car was stuck in some apartments at a friend of my sister house in the parking lot when to go and get the car fix out of my expence the car was towed by a towing company name D&B towing service and I called the car lot and informed them about the car and they was giving me the run around about that issue so I was out of money getting the part for the car and the car was gone and I was stuck with no car and a bill due to signing for a car that didn't drive right and then broke down on me before they could get to fixing the car so there for I should not be responsible for that to be on my credit.

Thu, 09/10/2015 - 16:02 Permalink
marie-louise bernier (not verified)

I never authorized this payment. It seems they kept taking out payments after the account was closed.
Thank you for fixing this.

Tue, 12/01/2015 - 21:55 Permalink
RosGerl (not verified)

Your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your report with the items in question circled.

Mon, 01/18/2016 - 19:20 Permalink
Jackie Czarzasty (not verified)

I don't have this account anymore, and haven't for more than 5 years?
It's shows up on my credit report, for the 1st time in ever. . . and I check my credit report at least every month. PLEASE ADVISE!!!!
I only have USAA checking, debt and credit card.

Jacqueline Czarzasty 480-203-8652

Tue, 02/21/2017 - 17:59 Permalink
Maureen Danchuk (not verified)

My X daughter-in-law took care of our bills while we were in Idaho.
We were gone 4 months and she somehow overlooked payment to
Sears. This is the only bad thing on my credit report. What can I
do?

Tue, 02/21/2017 - 20:38 Permalink
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Thu, 10/26/2017 - 00:42 Permalink
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Thu, 11/02/2017 - 05:38 Permalink
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Thu, 09/27/2018 - 23:55 Permalink
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Sun, 09/30/2018 - 03:17 Permalink
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Sun, 09/30/2018 - 12:01 Permalink
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Sun, 09/30/2018 - 19:54 Permalink
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Wed, 10/24/2018 - 23:08 Permalink
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Thu, 10/25/2018 - 12:07 Permalink
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Wed, 10/31/2018 - 13:12 Permalink
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Thu, 11/01/2018 - 12:32 Permalink
Edwina Jones (not verified)

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Sat, 11/03/2018 - 22:04 Permalink
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Tue, 11/06/2018 - 09:28 Permalink
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Thu, 11/08/2018 - 19:49 Permalink
Charisma Lewis (not verified)

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Sat, 11/10/2018 - 12:43 Permalink
Christine Compton (not verified)

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Wed, 12/05/2018 - 10:00 Permalink
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Wed, 12/05/2018 - 16:39 Permalink
Ashley Johnson (not verified)

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Wed, 12/12/2018 - 07:32 Permalink
Rick Kennedy (not verified)

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Sun, 12/30/2018 - 17:45 Permalink
Danny782 (not verified)

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Mon, 12/31/2018 - 17:27 Permalink
Sarai Sumira (not verified)

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Mon, 12/31/2018 - 18:30 Permalink
Martial987 (not verified)

Happy New Year Y’all my name is Martial; I hold Ghost in a very high esteem perhaps this post. I had a lot of debts previously. Credit card, loans, and a whole lot of other debt. Debt collectors have been embarrassing me with several phone calls and text. I’m so stressed out that my depression and anxiety multiplied tenfold. Today makes it exactly a month ever since I came in contact with Ghost who cleared my debts, removed all derogatory items from my profile including the hard inquiries and increased my score to 798 in less than 15 days. I vowed to always appreciate them for what they did for me. I must confess these guys are good. I’m sure so many other persons are in this situation or even worse, you can contact them and get your life restored email: (Ghostvirus789@gmail.com or text: +1 (205) 418 0498) and please don’t forget to mention my name to them. Have a Prosperous New Year. Martial Sikora

Wed, 01/02/2019 - 13:15 Permalink
Cherry (not verified)

"Words cannot express my gratitude nor Appreciation to Ghost Virus for he’s help." Sometime last year I was in a very terrible situation I was almost losing my house due to my poor credit outline. I reached out for help and searched online for a quick solution to my poor credit outline and to restore my life back without being kicked out of my apartment and suffering from so many things. I came across several reviews about Ghost how he helped a lot of persons with similar issue I was having. I contacted Ghost Virus (Ghostvirus789@gmail.com: +1 205 418 0498) for a quick solution explaining everything concerning my credit to him and I could really use he’s help he said okay and promised to help me fix my credit within 12 working days. My credit got fixed my score 395 was increased to a high 795 deleting all negative items and also increasing my credit limits and leverage. God bless you Ghost I’ll forever remain grateful to you Have a prosperous years ahead of you thanks. Cherry Idaho Connecticut Happy Holidays

Fri, 01/04/2019 - 00:18 Permalink
Jack Miles (not verified)

As skeptical as I am, I have to say these guy is the best in the business. The cost is worth it. Faster than Lexington Law or any other repair services I have ever used.I started less than a week ago and changes are happening to my credit report and my scores have been going up. Take it from me, try him you won’t regret it. Ask for THECREDITWIZARD@WRITEME.COM, he is your guy. Customer service is professional and you are not being considered as a number. He is personable and understands your needs. It’s worth it guys and this aren’t no FAKE NEWS. You can also text him on his personal number +1 (717) 467-7735.

Sun, 01/13/2019 - 09:31 Permalink
Christian56 (not verified)

Greeting Great people my name is Christian, Few years back I tried without success to fix my credit and rather it got worse. The last time was last year in which they request me some payments and six (6) months, the person did nothing. I was making more research and by chance I found Ghost Virus and his contact; GHOSTVIRUS7890@GMAIL.COM, +1 205 418 0498. For many of the names I found for some reason, I identified more with him. I am a father of 4 children and I have always wanted to buy my house but by credit report, I have never been able to. I did bought one house in Puerto Rico but it entered foreclosure. My score was in the 475 due to the medical bills, credit cards, repossessions, student loans, etc. well I trusted Ghost Virus with my credit and he delivered my life from shame and failure bringing joy and reason to be happy back to my grasp again. He raised my score to 790 and deleted the bad items on my report and it still looks nice up to date. Reach him with his above contact and get your lives back again.

Sun, 01/13/2019 - 17:06 Permalink
Greg7363 (not verified)

However, there are many services that might try to take advantage of you and your financial needs by trying to steal your money or financial information not this guy. I’m GREG, I live in Tennessee. I’m very grateful to Ghost. Last year, I needed help with my credit. My current credit score was 506, I wanted a higher score and probably my old accounts deleted although most of them I had no idea why they were there, because I never opened accounts with credit card. I went on internet to search for help and I found Ghost the credit Expert and I immediately contacted him (205) 418 0498; GHOSTVIRUS7890@GMAIL.COM). We got started with the process with some few questions and a little display of competency as a proof of legitimacy. He (deleted the accounts, erased all the inquiries and eventually raised my score to 780. I guess someone out there with bad credit issue will be in need of such help. I’m very certain Ghost will help you contact them today have a wonderful Day.

Mon, 01/14/2019 - 16:50 Permalink