Use this log to track every piece of correspondence you send. One row per item, per recipient. Keeping records is what makes the DIY process work. Copy this format for each item you dispute or follow up on: Item: [Brief description — e.g., "Collection account, ABC Collections"] Bureau / Recipient: [Equifax / Experian / TransUnion / creditor name] Template used: [A / B / C] Date sent: [MM/DD/YYYY] Method: [Certified mail + return receipt / online dispute portal / fax] Confirmation / tracking number: [If applicable] Response received: [Yes / No] Response date: [MM/DD/YYYY or "none yet"] Outcome: [Corrected / deleted / verified as accurate / no response] Next step: [e.g., "Follow up on (date)" / "Escalate with additional documentation" / "Done — move to next item"] TIPS - Send one item at a time when you're starting out. - Always keep a copy of what you sent and every response you receive. - If you send by mail, certified mail with return receipt requested gives you proof of delivery. - Check current bureau dispute rules and timelines for your situation — general education note: bureaus generally investigate within about 30 days. Privacy rule: Never post your log with account numbers, Social Security numbers, or birth dates in this community. This is a general template for members to customize and use themselves. It is general education, not legal advice. No outcome is promised.

HOW TO USE THIS TEMPLATE This is a general template for you to customize with your own details and send yourself. Fill in every bracketed field, keep a copy of what you send, and log it in your Send-and-Track Log. This is general education, not legal advice. No outcome is promised. --- [Your Full Name] [Your Street Address] [City, State ZIP] [Date] [Bureau Name] [Bureau Dispute Address] Re: Dispute — outdated / incomplete information To whom it may concern: I am writing to dispute the following information on my credit report, which is outdated or incomplete: Creditor / Account name: [Creditor name as it appears on the report] Account number: [Last 4 digits only — never include a full account number] What is outdated or incomplete: [Describe exactly — for example: "This account shows an outstanding balance of $1,100, but it was paid in full on (date) and the status was never updated" or "This collection is missing the date of first delinquency" or "This account still shows as open, but it was closed on (date)"] Please investigate this item and update it to reflect complete, current, and accurate information. Enclosed are copies of documents supporting my position: [List any supporting documents you are including] Thank you for your time. Sincerely, [Your Full Name] [Your phone number — optional] --- AFTER SENDING: Log the send date, recipient, method, response date, and next step in your Send-and-Track Log. Keep copies of everything. This template is for members to customize and send themselves. It is general education, not legal advice. No outcome is promised.

HOW TO USE THIS TEMPLATE This is a general template for you to customize with your own details and send yourself. Fill in every bracketed field, keep a copy of what you send, and log it in your Send-and-Track Log. This is general education, not legal advice. No outcome is promised. --- [Your Full Name] [Your Street Address] [City, State ZIP] [Date] [Bureau Name] [Bureau Dispute Address] Re: Dispute — account does not belong to me To whom it may concern: I am writing to dispute the following account on my credit report. This account does not belong to me: Creditor / Account name: [Creditor name as it appears on the report] Account number: [Last 4 digits only — never include a full account number] Reason: [For example: "I have never opened an account with this creditor" or "This account appears to belong to someone with a similar name — my personal information section also shows an address I have never lived at: (address)"] Please investigate this item. If it cannot be verified as mine, please remove it from my report. Enclosed are copies of documents supporting my position: [List any supporting documents, e.g., "copy of my government-issued ID showing my correct name and address"] Thank you for your time. Sincerely, [Your Full Name] [Your phone number — optional] --- AFTER SENDING: Log the send date, recipient, method, response date, and next step in your Send-and-Track Log. Keep copies of everything. This template is for members to customize and send themselves. It is general education, not legal advice. No outcome is promised.

HOW TO USE THIS TEMPLATE This is a general template for you to customize with your own details and send yourself. Fill in every bracketed field, keep a copy of what you send, and log it in your Send-and-Track Log. This is general education, not legal advice. No outcome is promised. --- [Your Full Name] [Your Street Address] [City, State ZIP] [Date] [Bureau Name] [Bureau Dispute Address] Re: Dispute of inaccurate account information To whom it may concern: I am writing to dispute the following information on my credit report. I have reviewed my report and identified an item that is inaccurate: Creditor / Account name: [Creditor name as it appears on the report] Account number: [Last 4 digits only — never include a full account number] What is inaccurate: [Describe exactly what is wrong — for example: "The balance is reported as $2,400, but my records show the balance was paid in full on (date)" or "The payment history shows a 30-day late payment in (month/year), but I have never been late on this account."] Please investigate this item and correct it to reflect accurate information. Enclosed are copies of documents supporting my position: [List any supporting documents you are including, e.g., "copy of payment confirmation dated (date)"] Thank you for your time. Sincerely, [Your Full Name] [Your phone number — optional] --- AFTER SENDING: Log the send date, recipient, method, response date, and next step in your Send-and-Track Log. Keep copies of everything. This template is for members to customize and send themselves. It is general education, not legal advice. No outcome is promised.

Use this checklist to review each of your three bureau reports (Equifax, Experian, TransUnion), section by section. Do one full pass per bureau — the three bureaus can differ. PERSONAL INFORMATION [ ] Name and name variations spelled correctly [ ] Current address correct; past addresses you recognize [ ] Date of birth correct [ ] No addresses you've never lived at, no unknown name variations ACCOUNTS (TRADLINES) [ ] Every account listed is actually yours [ ] Creditor names, account types, and open dates correct [ ] Credit limits / loan amounts correct [ ] Current balances correct [ ] Payment history accurate (no late payments you didn't make) [ ] Account status correct (open vs. closed) [ ] No duplicate accounts INQUIRIES [ ] Hard inquiries you recognize (from applications you made) [ ] No hard inquiries you don't recognize COLLECTIONS AND CHARGE-OFFS [ ] Every collection / charge-off is actually yours [ ] Original creditor, collection agency, balances, and dates correct [ ] No duplicate collections [ ] Statuses updated correctly (e.g., paid items marked paid) PUBLIC RECORDS [ ] Any public records listed are accurate and current FOR EACH BUREAU, WRITE DOWN: - What looks accurate - What looks inaccurate, incomplete, or unverifiable — and what's wrong with it specifically Privacy rule: Never post your reports — or Social Security numbers, birth dates, or account numbers — in this community. Ever. This is a general template for members to customize and use themselves. It is general education, not legal advice. No outcome is promised.