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I think I am finally ready to send off dispute letters


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as soon as I receive letters back confirming my address and name correction if it worked I am going to send of my bk dispute letter

am not disputing WFB just yet do not want to wake those "big sleeping giant corporate meanies" until I have more info, I am going to go talk to the university attorney or somebody I get a free consultation with prior to disputing b/c I have heard on thing then another, and the sol has not run out yet it is listed on my CR as an installment loan, but it was a student loan with a promissory note, so not sure if SOL applies here or not b/c sol does not apply to student loans however I heard that if it was issued as a personal loan and just used for educational purposes then the SOL would apply so need more info b/f I mess with that one

but for the BK thing I am going to dispute as not mine and I was hoping I would not have to send in any documentation, so if you guys could post a letter to the CRAs that does not require documentation or tries to get a deletion w/o documentation please post it please so I can compare it with what I have written to see if I am on track



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  • 4 weeks later...

Your Name

123 Your Street Address

Your City, ST 01234

(Current address for the last 5 years)


DOB: 1/1/00

Credit Bureau

Credit Bureau Address

Some City, Any State 56789


To Whom it May Concern:

Dear Credit Bureau:

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

I am very distressed that you have included the information noted below in my credit profile due to its damaging effects on my good credit standing. As you no doubt are 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 that the inaccurate information is harmful to me and, thus, needs to be removed ASAP.

The following information, therefore, needs to be verified and deleted from the report as soon as possible:



Your Signature

Your Name


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