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.
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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