Free credit dispute letter template

If you’re facing a credit reporting error, a dispute letter is one of the quickest ways to resolve it. Use this template to formally challenge inaccuracies with your credit report. The key is clarity and precision–state the issue clearly, provide supporting evidence, and request a prompt investigation.

Keep your letter concise. Identify the account and the specific item in question. Be sure to include any relevant dates, account numbers, or other specific details that will help your case. The more accurate the information, the faster the process.

Request an investigation into the disputed entry. Be polite but firm about your expectation for a thorough review. Make sure to include your contact details, and ask for a response in writing once the dispute is resolved.

Including supporting documents is critical. Attach copies of any documents that back up your claim, such as receipts, bank statements, or letters from the creditor. These will strengthen your case and help expedite the process.