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Free Credit Dispute or credit report dispute form letter to legally dispute errors at TransUnion Equifax Experian

Instructions at bottom. Universal Credit Dispute errors free at Equifax, TransUnion and Experian

Full name: Last__________________ First ________________Middle ____________

Social Security #________________________ Home Phone____________________

Date of Birth___________________________ Work Phone_____________________

Credit Dispute / Credit Report Account Dispute Section

__ Not my account __ Was never late __Account paid in full

__ Current status incorrect __ Other __Dispute

Company Name__________________________ Account #__________________________

__ Not my account __ Was never late __Account paid in full

__ Current status incorrect __ Other __Dispute

Company Name__________________________ Account #__________________________

__ Not my account __ Was never late __Account paid in full

__ Current status incorrect __ Other __Dispute

Company Name__________________________ Account #__________________________

__ Not my account __ Was never late __Account paid in full

__ Current status incorrect __ Other __Dispute

Courthouse or Collection Agency accounts

Courthouse or Collections agency_______________________________________________

Case number for courthouse records only_________________________________________

__ Not Mine (explain) __ Satisfied __ Released __ Dismissed

__ Discharged __ Collection was paid __ Other (explain)

Courthouse or Collections agency_______________________________________________

Case number for courthouse records only_________________________________________

__ Not Mine (explain) __ Satisfied __ Released __ Dismissed

__ Discharged __ Collection was paid __ Other (explain)

I certify that all information above is true and factual.

Signature ____________________________________________ date __________________

Chester, PA 19022

Atlanta, GA 30374-0241

Allen, TX 75013-2104

  1. Free Credit Dispute or credit report dispute form letter to legally dispute errors at TransUnion Equifax Experian

    • Use this credit dispute form to get remove errors, update errors, addresses to creditors or add comments.
    • To get an address, just mark not my account and fill in dates, amount and creditor for the entry. The entry will either be removed or you will receive a letter saying the account was verified with contact information so you can hash out differences with the creditor. So use this form to find addresses of creditors.
    • To remove errors state the errors with the form units and mail to bureaus. If you have improper credit entries like, fraud alerts, marked as dead, credit freezes, stolen identity or merged files, more than 7 years old, incorrect dating, duplicates or just plain errors use this form. If needed send a 100 word or less explanation of your problem or complaint.
    • If you can, negotiate first with a creditor and get information changed. Write or call the creditor and make arrangements to pay off in full or re-open and account with agreement to eliminate bad marks after 24 months elapse. Most credit card companies only report the previous 24 months and most collection agencies will remove entries if you pay them off in full including fees. Expect car loans, home loans, utilities and matters of law to very difficult if not impossible to get changes made. Most of the accounts take 7 � 10 years to fall off by law.
    • Print and mail the dispute form, when creditors hard to find yourself. Many times a creditor has gone out of business. These accounts should fall right off because the bureaus will not get a response in less than 30 days. So the longer it takes for the bureaus to respond the better your chances are the account will be deleted.
    • Make your dispute form simple by breaking up large groups of disputes into groups of 4 or less. More than 4 disputes per form, can sometimes be kicked out as frivolous. ie. If you dispute EVERYTHING, on your report that must be frivolous or ILLEGAL.
    • Include very detailed personal information such as a copy of your drivers license, social security card, phone bill, insurance, card, birth certificate on matters of fraud, merged files, or and even reporting person is deceased when person is clearly alive.
    • You can add a 50-100 word or less comment to any account on your report which you have a disagreement with a creditor. Just write a letter about a specific account (name, amount, date) then include necessary personal information and mail it to the bureaus above. The comment will not help your score but will help potential creditors make decision on credit applications.
    • Use the dispute form to make sure all your accounts that were included in a bankruptcy, "show9quot; included in bankruptcy and a 0 balance owed. Bankruptcies do not remove accounts but the accounts should show included in Bk and 0 balance owed.
    • If you are married and your spouse has the same data you have disputed, make sure you do another dispute form letter for your spouse.

The instructions below are detailed instructions listed on the web by the FTC on how to correct errors.

Under the FCRA, both the CRA and the organization that provided the information to the CRA, such as a bank or credit card company, have responsibilities for correcting inaccurate or incomplete information in my report. To protect all my rights under the law, contact both the CRA and the information provider.

First, tell the CRA in writing what information I believe is inaccurate. Include copies (NOT originals) of documents that support m position. In addition to providing m complete name and address, my letter should clearly identify each item in my report I dispute, I state the facts and explain why I dispute the information, and request deletion or correction. I may want to enclose a copy of my report with the items in question circled. I send my letter by certified mail, return receipt requested, so I can document what the CRA received. Keep copies of m dispute letter and enclosures.

CRAs must reinvestigate the items in question--usually within 30 days--unless they consider my dispute frivolous. They also must forward all relevant data I provide about the dispute to the information provider. After the information provider receives notice of a dispute from the CRA, it must investigate, review all relevant information provided by the CRA, and report the results to the CRA. If the information provider finds the disputed information to be inaccurate, it must notify all nationwide CRAs so they can correct this information in my file.

Disputed information that cannot be verified must be deleted from my file and never replaced.

  • If my report contains erroneous information, the CRA must correct it.
  • If an item is incomplete, the CRA must complete it. For example, if my file showed that I was were late making payments, but failed to show that I am no longer delinquent; the CRA must show that I'm current.
  • If my file shows an account that belongs only to another person, the CRA must delete it.
  • Free Credit Dispute or credit report dispute form letter to legally dispute errors at TransUnion Equifax Experian

When the reinvestigation is complete, the CRA must give me the written results and a free copy of my report if the dispute results in a change. If an item is changed or removed, the CRA cannot put the disputed information back in my file unless the information provider verifies its accuracy and completeness, and the CRA gives me a written notice that includes the name, address, and phone number of the provider.

Also, if I request, the CRA must send notices of corrections to anyone who received my report in the past six months. Job applicants can have a corrected copy of their report sent to anyone who received a copy during the past two years for employment purposes. If a reinvestigation does not resolve my dispute, ask the CRA to include my statement of the dispute in my file and in future reports.

Second, in addition to writing to the CRA, tell the creditor or other information provider in writing that I dispute an item. Again, include copies (NOT originals) of documents that support my position. Many providers specify an address for disputes. If the provider then reports the item to any CRA, it must include a notice of my dispute. In addition, if I am correct-that is, if the disputed information is not accurate-the information provider may not use it again. Accurate Negative Information When negative information in my report is accurate, only the passage of time can assure its removal. Accurate negative information can generally stay on my report for 7 years. There are certain exceptions:

  • Information about criminal convictions may be reported without any time limitation.
  • Bankruptcy information may be reported for 10 years.
  • Credit information reported in response to an application for a job with a salary of more than $75,000 has no time limit.
  • Credit information reported because of an application for more than $150,000 worth of credit or life insurance has no time limit.
  • Information about a lawsuit or an unpaid judgment against me can be reported for seven years or until the statute of limitations runs out, whichever is longer. Criminal convictions can be reported without any time limit.

Adding Accounts to MY File

My credit file may not reflect all my credit accounts. Although most national department store and all-purpose bank credit card accounts will be included in my file, not all creditors supply information to CRAs: Some travel, entertainment, gasoline card companies, local retailers, and credit unions are among those creditors that don't. If I've been told I was denied credit because of an "insufficient credit file" or "no credit file" and I have accounts with creditors that don't appear in my credit file, ask the CRA to add this information to future reports. Although they are not required to do so, many CRAs will add verifiable accounts for a fee. I should, however, understand that if these creditors do not report to the CRA on a regular basis, these added items will not be updated in my file.

Free Credit Dispute Form Credit Report Disputes Experian Trans Union Equifax How to Free credit dispute form letter and forms. Dispute your bad credit reports free. Dispute collections and credit errors by letter free at Equifax, TransUnion and Experian Credit Bureau CRA.

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  • Free Credit Dispute or credit report dispute form letter to legally dispute errors at TransUnion Equifax Experian
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    Free Credit Dispute or credit report dispute form letter to legally dispute errors at Transunion Equifax Experian


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