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See how a dispute letter comes together.

Choose an example to see the draft change. These are fictional facts—your letter will use the details you provide.

You provide the facts.

What’s wrong?

The report shows a balance of $450, but my payment records show a balance of $0.

What should change?

correct the balance to match the supporting payment records

You’ll also enter your name, mailing address, the bureau, and the company or account involved. Don’t enter a full account number or Social Security number.

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3 free template-letter downloads per month.

Your draft takes shape.

[Date]

[Your name]
[Your mailing address]

To: [Selected credit bureau] dispute department

Subject: Dispute of inaccurate credit report information

To whom it may concern:

I am writing to dispute information on my credit report regarding [Company name].

The information I believe is inaccurate is: The report shows a balance of $450, but my payment records show a balance of $0.

I request that you investigate this item and correct the balance to match the supporting payment records. Please consider any supporting records I include with this letter. Please send me the results of your investigation and an updated report if the information is corrected.

Sincerely,
[Your name]

Before sending: add the bureau's current mailing address, your report confirmation number if available, and copies of relevant evidence. Keep copies of everything you send.

Review every fact and add relevant supporting records before sending. This sample is not submitted, downloaded, or counted against any allowance.

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