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Short Credit Dispute Letter — Removal of Inaccurate Information

Send this short letter to the credit bureaus asking to remove inaccurate information from your credit reports.

If after reviewing your credit reports you find information that is either incorrect or questionable, you can send a credit dispute letter to each of the credit bureaus. This letter is a shortened version of our original credit dispute letter. The credit bureaus are obligated by law to investigate your dispute and they must either verify, correct, or delete the item from your record within 30 days. 

Note: Always include a photocopy of your driver’s license, state-issued ID, or U.S. passport and a copy of your social security card, pay stub, W-2 or a recent utility bill. Only 2 forms of ID are required.

We have more sample letters to handle a variety of credit situations. You can also visit our bookstore where you can purchase eBooks on credit repair, debt settlement and 95 sample letters - all available for instant download. 

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Date

Name
Address

Credit Bureau
Bureau Address

To Whom it May Concern,

I've just reviewed my credit report and have noticed there are several inaccurate items on my report:

Chase VISA Acct: xxxxx-xxxxx-xxxx-xxx:
This account is listed as being 30 days late. I have never been late on this account.

Sears Acct: xxxxx-xxxxx-xxxx-xxx:
This account is listed as being 30 days late. I have never been late on this account.

Universal Acct: xxxxx-xxxxx-xxxx-xxx:
This account is listed as being 30 days late. I have never been late on this account.

In addition, there are a number of credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed:

Diner's Club Acct: xxxxx-xxxxx-xxxx-xxx:
GE Consumer Card Acct: xxxxx-xxxxx-xxxx-xxx:
Macy's Acct: xxxxx-xxxxx-xxxx-xxx:

I have enclosed a copy of my driver's license and utility bill as proof of identity.

Sincerely,

Your Signature


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