How to Write A Dispute Letter

Have you ever done a search on Google similar to this one: “Sample Credit Dispute Letter Download”

If so, you’re not alone.

Thousands of people search the internet each month who want to learn how to write effective credit dispute letters that work.

If this sounds like what you are looking for, then please read on.

What I always ask people who want credit dispute letter templates is, what would you do with them if you had them?

Just having a dispute letter template by itself isn’t going to really help you all that much.

It’s kind of the same as having a blank piece of paper really.

If you don’t know what to put in a credit bureau dispute letter template, then what is the point of getting the template at all?

I have a much better solution.

For just $.99 I am going to teach you exactly how to write an effective dispute letter. I’m also going to give you a free download link so that you can download a copy of this dispute letter, simply change out your personal information, and drop it in the mail.

The thing with writing dispute letters that people get worried about is what to put in the letter.

They worry about the exact language, the tonality, the specific wording of what should I say here, what should I say there.

What if I told you that none of that even mattered?

What if I told you that the secret to downloading sample credit dispute letters and then actually learning how to write a dispute letter was so easy that it almost isn’t even worth mentioning?

Let me assure you, that is the case.

Writing dispute letters is fast and easy, and anyone who tries to make it seem more complicated than it is is trying to sell you something.

I know.

As the managing member of a credit repair company, I spend a large amount of time explaining to our clients that what we actually sell to them is time.

Do our clients want to take the time to learn credit repair, as you are doing right now?

No, they don’t. That’s why they’re our clients. They’re time is more valuable to them than the $79 bucks per month we charge them to learn and get all of this taken care of for them the right way.

Literally anyone can print out a letter and fire it off to dispute their negative items, but where a company like mine shines is in the experience that is required to know what to say, when to say it, who to say it to, and how to say it correctly, all while keeping the end game in mind.

This little book in your hand right now is going to change all of that forever.

It will totally spill the beans all over credit repair companies, including mine, because I’m going to tell you exactly how to do what we do, and get the results that we get – all for less than a dolla.

This is such an amazing deal it’s almost unbelievable.

Having great credit has saved people hundreds of thousands of dollars, possibly much more, than they would have paid with mediocre or bad credit.

If I could trade $.99 for $100,000 that would make my day.

And that’s exactly what the little nugget of knowledge that you hold in your hot little hand right now can be for you.

In fact, this book is even a better deal than the .99 cent store, cause the .99 cent store always tries to sell you stuff that cost way more than a dolla!

And man, that extra dolla makes me wanna holla.

We can goof around and have fun while we do this. It’s perfectly allowable.

Ok, enough goofing around.

Don’t forget, you’re .$99 also buys you a complete DIY credit repair kit, including over 100+ professionally written dispute letters, that you can download from a link inside the book.

The dispute letters are formatted in Microsoft Word ® for easy editing.

So the first thing to remember about writing effective credit dispute letters is that the content of the letters is not nearly as important as following established procedures.

You don’t need to get caught up in trying to explain any situation or circumstance.

You don’t need legalese, or pseudo legal language, or to try to sound intimidating, or convincing, or any of that, because the bureaus, collectors and creditors literally don’t care.

The law doesn’t care either.

Let me explain.

All you need to do is make factual statements about your credit reports and the information that is on them.

When you first sit down to write your “initial” round of dispute letters, you will be mailing them to the credit bureaus.

  1. I know this, because the FCRA and other legal frameworks have established that in order for a consumer to be able to exercise his or her rights to the fullest extent of the law, he or she must first submit any formal disputes in writing to the credit bureaus.
  1. I know that none of my clients, or anyone that I advise, should ever submit an electronic dispute to the credit bureaus because in order to do so you have to agree to their terms of service. Many times they sneak in a requirement to arbitrate, which negates many of the laws in place to protect consumers and that we try to take advantage of as credit repair companies. Never file a dispute online.

Since your first “round” of dispute letters will be going to the bureaus, you will be sending three of them.

One to Experian, one to Equifax, and one to TransUnion.

You don’t need to explain anything to the credit bureaus about the circumstances of the negative items on your credit reports, you just need to explain that you believe the information is incorrect.

When you sit down to read your credit reports, do it very carefully and compare all of the information on the credit report to your own files and records.

If what is on the credit report doesn’t jive with your own personal records, then something is not adding up.

And even if everything does add up, the credit bureaus are still legally required to follow a certain procedure in order to be able to report negative information about consumers.

That means that the tactics in this letter will work whether the alleged debt is legally yours or not, because the law does not differentiate between the two.

The law says that collectors, the bureaus and others have to follow a certain set of established procedures or the debt cannot be reported. By filing disputes we are investigating whether those procedures are being followed, in our own personal credit profile, and if they are not, we will exercise our right to have the information legally removed. Whether the account is “legally owed” or not makes no difference.

The bureaus are still required to operate within the scope of the law.

Are there accounts on your credit report that you have no idea what they are?

Ask the bureau to explain what information they are reporting about you by sending you all of the documentation they have in their possession which allows them to do so.

This is also known as filing a dispute.

They are required to have certain documentation on hand in order to report that information, and if they don’t have it, then they are required by law to remove the negative item from your credit report, regardless of it’s legal standing.

So to break everything down Barney style here are the main points of this booklet:

  1. Consumers, you and I, have the legal right to dispute anything on our credit reports
  2. Credit repair is a process that will take several “rounds” of dispute letter mailings
  3. The first step is sending a dispute letter to the bureaus, which is what this book does
  4. Next, we wait for responses from the bureaus and then sound round 2
  5. Following the dispute process to the “T” is more important than letter content
  6. You don’t need to explain or be technical when exercising your rights
  7. The burden is on the bureaus to provide proof when asked by consumers
  8. If they can’t or don’t provide proof, they must not report the negative information
  9. Don’t dispute more than 3 accounts per dispute letter

In order to complete your dispute, provide as much of the following information as possible. Your dispute letter below will show you where to put the information:

Your name

Partial account number of the disputed item (from your credit report)

Current address

Social Security number (not required)

Date of birth (not required)

Name of company that reported the item you’re disputing (from your credit report)

Reason for your dispute (such as, it is not your account; you have paid the account; etc.)

Any corrections to your personal information (address, phone number, etc.)

Here’s how to write your first dispute letter. You can use the format below or download a .zip file with Word Formatted letters for easy editing:


Your Name

Your Address

Your City, State, Zip Code

Complaint Department

Name of Credit Bureau


City, State, Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received.

You are incorrectly reporting information about me relating to the following accounts:

  1. Account 1 Name, Account Number, Dates
  2. Account 2 Name, Account Number, Dates
  3. Account 3 Name, Account Number, Dates

Each of the accounts listed above are being reported incorrectly in one or more the following specific ways:

  • Incorrect account names
  • Invalid account dates, such as dates of inception, last payment or contact
  • Incorrect payment terms or account balances
  • Incorrect account status
  • Otherwise incorrect, invalid or obsolete

Please investigate each of the above accounts, to include verification and or validation as required by law, and then provide to me in writing the result of this investigation sufficient to comply with applicable consumer protection laws currently in effect.

While you are conducting this investigation, please immediately cease and desist from reporting these accounts.

You have my name, address, date of birth and social security number on file, and no further identification is required by you in order to proceed with this investigation.

Thank you very much for your cooperation in this matter it is greatly appreciated.


Your name

Enclosures: (List what you are enclosing)

To download this file in Word format, pre-addressed and ready for easy editing, just click the following link:

Dispute Letter Download

Ok, that’s all there is to writing your fist dispute letter.

Most people will mail a copy of the letter above, along with a printout of their credit report with the negative account items circled and clearly identified.

Either transcribe the one above, or go to the website to download your editable version, and get it in the mail asap.

As soon as you start the dispute process you start the clock on the credit bureaus.

They have 30 days to respond to your request, and many times, they either don’t respond or respond with incomplete information.

That is a win for us either way, and as long as we are documenting everything we are doing, we will be able to use the bureaus response or lack of response against them during our endgame.

After the dispute process is complete, we will file complaints with the appropriate authorities and we will back up our complaints with thorough documentation showing the failure of the bureaus and others to comply with applicable laws and regulations.

This will force any unsupported negative information to be fully and permanently deleted from your credit reports.

During the 30 day waiting period after you mail this initial letter, you can research what to expect and how to handle your next “round” of dispute letters, which will likely include follow up letters to the credit bureaus and a new set of letters to collectors, original creditors and other data furnishers.

Data furnishers are the ones who tell the credit bureaus what information to report about you, furnishing the data to the bureaus. Collectors and original creditors are examples of data furnishers.

Credit bureaus then report the information which is furnished to them, often times without verifying its legitimacy, resulting in thousands of examples of operating outside the spirit of existing consumer protection laws and violating consumer rights.

To fully comply with the laws regarding the dispute process we have to submit our disputes first with the credit bureaus before we can contact the data furnishers, and that’s exactly how we want the process to work.

By working inside the system instead of against it, we are going to achieve much better results in the long run.

Remember, our goal at the end of the day is to stick with this process, and then exercise our rights to have any negative information that isn’t supported by proper documentation removed from our credit reports.

That’s it!

Download this letter, print it out, and then get it in the mail.

Print one copy and mail to Experian, one to Equifax and one to TransUnion.

If you download the letter template from my website then you will get all three letters pre-addressed to the bureaus, so all you have to do is add in your account numbers, your name and address and a couple other things and you will be ready to roll.

Get the ball rolling on this and you can be looking at a much better credit situation in just a few months.

I will be pushing out another short booklet about the “round 2” letters soon so if you would like to be notified when that book is released please bookmark my author page here:

Thanks again for reading and I hope you will stop by again soon!