Skip to main content

What should my dispute letter to a credit reporting company look like?

You can find an example of a dispute letter  on the Federal Trade Commission’s website – you may send a dispute letter to both the credit reporting company and the creditor or other entity that provided the information.

To help clarify the dispute, if available, enclose the portion of your credit report that contains the disputed item, and circle or highlight the disputed item. Include copies (not originals) of documents that support your position.


Provide sufficient identifying information in your dispute letter. To help the credit reporting company locate the correct file or credit information about you, provide sufficient identification information in your letter. In addition to your name and address, you may want to include your date of birth and your Social Security number. If you send your Social Security number and other personal information by email, please take appropriate security measures including encrypting the email.