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How to Dispute Your Credit Report

Review your credit report carefully to make sure there aren’t any errors. If you find errors on your credit report, you need to contact the credit bureau where the report came from to dispute the incorrect information. You may be asked to fill out a form provided by the credit bureau. The following is a sample letter for filing a dispute.


Credit Bureau

RE: Credit Report

Dear Sir or Madam:

I have found some errors on my credit report. The report is for ( my name) and my social security number is (list number).

I have enclosed a copy of my credit report. I have circled the errors on it. Specifically, the following information is wrong:

(list the items that are wrong and state why they are incorrect.)

Please investigate this matter and remove the incorrect information. Please notify me of the corrections you have made at my address listed on this letter.

If you have any questions regarding this information, you may reach me at (list the phone number) between the hours of (list the time).

Thank you for your prompt attention to this matter.


Your Name
Your Address

You may reach the three credit bureaus at the following addresses:

Equifax Information Services
PO Box 740241
Atlanta, GA 30374

Experian CBA
PO Box 2002
Allen, TX 75013

TransUnion LLC
Consumer Disclosure Center
PO Box 1000
Chester, PA 19022



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