IMPORTANT: You have to tell the credit bureau what information you suppose is not accurate. This has to be done in writing. Also, include the copies of the important documents to support your dispute. These copies are not the original. You can photocopy the original and send the copies along with the letter
Your City, State, Zip Code
Name of Credit Bureau
I am writing to you to dispute the information in my file. The items, which are in dispute, are highlighted in the attached copy of the report I have obtained.
This particular item (Classify item(s) disputed by the source’s name, such as creditors or tax court, and know the type of them item, such as judgment , credit account, etc.) is (incomplete or inaccurate) because (make sure to describe the items that are inaccurate or incomplete, and explain why). I request for the item to be deleted (or, you may request any applicable changes) to ensure accuracy of the information.
Included here are the copies of (Put this sentence if necessary and describe the documentations included, such as court documents of records of payment) supporting my dispute. Please take the time to re-investigate (this/these) concern(s) and (correct or delete) the items being disputed as soon as possible.
Files: (List of the files you included on this letter)