Correcting an Error

Guide to writing a dispute letter

Review your credit reports carefully for errors. If you do need to make a correction, you should write a dispute letter. When you send such letters, be sure to keep a copy for your own records. Once a credit reporting agency receives a dispute letter, they are required to conduct an investigation within 30 days. You should review your credit report regularly, especially before applying for a big loan, to make sure that it is free of errors. The following sample dispute letter gives an overview of how you might compose such a letter. If it is helpful, use the general format of the letter and add specific information about your credit history in the appropriate places.

   [ Next ] Identity Theft