Credit Dispute Letter

Write a dispute letter to fix inaccurate credit report items

Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate information on your credit report with each of the three bureaus — Equifax, Experian, and TransUnion. Describe what's wrong, why, and what correction you want. The bureau must investigate within 30 days. Download as a PDF (one letter per bureau) or email it to yourself to print and mail.

Your Name

Date

Your Address

Bureau(s)

Select which bureau(s) to dispute with

EquifaxExperianTransunion

Account / Item Reference

What's Inaccurate

Why It's Inaccurate

What I'm Requesting

Supporting Evidence

Download works without an account. Emailing requires a free account.