Along with each letter you send out, include your full name as listed in your credit report, your address, your driver’s license, your Social Security number, a copy of the credit report where the erroneous information was located, and a copy of your roof, such as the cancelled check.how to indite a assign inform disagreement honor

First of all, plan what you want to say in this letter. You should re-read your credit report, and take careful notes. Ask yourself if there is any way that what the credit bureau is claiming in your report could be true. For example, if one of the errors that is shown is a late payment on one of your credit card accounts, look over your bank statements and/or cancelled check for that month. (You DO keep these important papers, right?) If you do indeed find proof of the payment, then you have the ammunition you need to politely go after the credit bureau and get them to change the information they have about you on file.

I recently requested a copy of my credit file so that I could check it out for any erroneous information. Much to my surprise, I found a glaring error which I dispute and that I would like to request correction for. You have not credited me for my (Month and Date Here) payment to (Name of Business Here). This is a definite mistake, as I am in possession of the cancelled check for this payment, which I am enclosing a photocopy of.

Dear (Credit Bureau Name Here)

(Your Name Here)

Word your letter thoughtfully, and be cordial. You will need to send a copy of your letter to each of the three “big” credit bureaus – TransUnion, Experian, and Equifax. Calmly state the facts in a way similar to the example below -

Cordially,

Keep a copy of everything you send, and note the date you mail it. It’s a good idea to use certified or registered mail for an “official” proof of mailing date. You will need this just in case you need to send out again to someone higher on the corporate ladder of the credit bureau.how to indite a assign inform disagreement honor

I am sure that you will be more than happy to take care of this matter for me, and correct my file to reflect this payment.

Hopefully, this was simply an oversight on your part. I am sure that you realize that the omission of this information could have serious repercussions to the accuracy of my credit file. There is a law in this country which states that credit bureaus can only use accurate information in a consumer’s credit file. Obviously, in my own credit file, the law has been broken.

Planning Ahead Pays Off

You are pretty angry. You ordered a copy of your credit report to check out all the information , and lo and behold, you have found several glaring errors that you are chomping at the bit to have corrected. Your first reaction is to pick up the telephone, call up the credit bureau, and give them a piece of your mind, but then the rational side of you takes over, and you realize that it would probably be better to calm down, sit down, and write a credit report dispute letter to attempt to set things straight.

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