Sample Dispute Letter to Credit Bureau

Sample Dispute Letter to Credit Bureau

A Dispute Letter to a Credit Bureau is used when you notice an error in your credit report and will need to have it corrected by the agency reporting the information. Your credit report is used by lenders to assess if you are a reliable candidate for a loan so it is crucial that all credit reports are accurate before you apply for a loan. If you find an error on your credit report it will be up to you to have all mistakes corrected.

Alternate Name:

  • Credit Bureau Dispute Letter.

Be aware it may take an agency several days to a few weeks to have an issue corrected and your credit report updated, so if you notice a mistake you will want to correct it right away. A Sample Dispute Letter to Credit Bureau template is available for download below.

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How to Write a Dispute Letter to the Credit Bureau?

To write a Credit Bureau Dispute Letter you will want to include the following information:

  1. Your full name and address.
  2. Today's date.
  3. The name and full address of the Credit Reporting Agency's Complaint Department.
  4. Opening greeting.
  5. Begin with a statement about why you are writing, that you have found one or multiple errors in your credit report, and that you will need these items corrected immediately to avoid any issues later.
  6. In the letter, you will need to state that you are attaching a copy of the credit report and have highlighted or circled the issues that need to be resolved.
    • Describe in detail if the issue is from a judgment, credit account, past rental agreement, etc. You will also need to explain if the information is incorrect or incomplete and how you would like the matter resolved (either have the missing information completed or incorrect statement removed).
    • Be as specific as possible when writing out your letter; you will want to make it easy for the person reviewing your account to find the outstanding error and correct it as quickly as possible.
  7. In your closing statement, you can also ask to have a confirmation of the updates once the issue has been resolved.
  8. Closing salutation.
  9. Your full name and signature.
  10. Below your signature list all documents you will be including with the letter.

Make sure to keep a copy of the Credit Bureau Dispute Letter and all supporting documentation for your personal records.


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