Credit Infocenter

Removal of Inaccurate Information - Letter to Dispute Negative Items - Letter to Send to Credit Bureaus

Requesting Removal of Inaccurate Information - Sample Letter 1

The following is a sample letter to send to the credit bureaus requesting the removal of inaccurate information. Always include any copies of proof you may have such as, cancelled checks showing timely payments, paid off accounts, loans, anything that will show the information is indeed erroneous. It never hurts to include the consequences that have resulted from this wrongful information as well. The credit agencies give the most immediate attention to seriously wronged consumers. Remember, they are bombarded with thousands of letters each and every day.

This letter is part of our credit repair kit. We have other sample letters to handle a variety of credit situations. Here is the list. Don't forget to provide proof if you have it and keep a copy for your files and send the letter registered mail.

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Your Name
Your Address

Credit Bureau
Bureau Address

To Whom it May Concern,

This letter is a formal complaint that you are reporting inaccurate credit information.

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing.  As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a  (insert credit type for which you were denied here), which was highly embarrassing and has negatively impacted my lifestyle.

(optional)  With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed as soon as possible.

The following information needs to be verified and deleted from my credit report as soon as possible:

CREDITOR AGENCY -  Account #123-34567-ABC

Please delete the above information as quickly as possible.


Your Signature

Your Name
SSN# 123-45-6789
Attachment included

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