10d • Q&A Credit Repair
Free Dispute Letter Templates
FREE TEMPLATE DROP: Dispute Letters You Can Copy + Paste ✉️🔥
Ready to challenge negative items on your credit report?
I’ve got you covered with plug-and-play dispute letter templates you can use TODAY.
These are the same styles used by pros to remove:
✅ Collections
✅ Charge-offs
✅ Inaccurate late payments
✅ Personal info errors
✅ Duplicate accounts
🛠️ How to Use These Templates:
Copy and paste the letter below into a Word doc or Google Doc
Edit the highlighted parts with your own info
Print and mail with certified mail + return receipt
Attach a copy of your ID + utility bill to verify identity
Send to the correct bureau address (listed below)
📄 TEMPLATE #1: Personal Information Correction
[Your Full Name]
[Your Address]
[City, State ZIP Code]
[Date]
[Credit Bureau Name]
[Address – see below]
Subject: Request to Remove Inaccurate Personal Information
To Whom It May Concern:
I recently obtained a copy of my credit report and noticed that it contains inaccurate personal information.
Specifically, the following items are incorrect:
- [List incorrect names, addresses, employers, etc.]
These items are not associated with me and should be removed from my file under the Fair Credit Reporting Act (FCRA).
Please correct or remove this inaccurate information and send me an updated copy of my credit report.
Thank you for your prompt attention.
Sincerely,
[Your Full Name]
[SSN – last 4 digits only]
[DOB]
[Phone Number]
📄 TEMPLATE #2: General Account Dispute
[Your Full Name]
[Your Address]
[City, State ZIP Code]
[Date]
[Credit Bureau Name]
[Address – see below]
Subject: Dispute of Inaccurate Information on Credit Report
To Whom It May Concern:
I am writing to dispute the following information on my credit report. The item I am disputing is inaccurate and needs to be investigated and removed in compliance with the Fair Credit Reporting Act (FCRA).
Creditor Name: [Insert Creditor Name]
Account Number: [Insert Account Number]
Reason: [e.g., “This account does not belong to me” OR “The payment history is incorrect”]
Please conduct a reinvestigation of this account and remove the inaccurate information from my report.
I have enclosed a copy of my credit report with the disputed item highlighted, along with a copy of my ID and a utility bill for verification.
Sincerely,
[Your Full Name]
[SSN – last 4 digits only]
[DOB]
[Phone Number]
📦 Where to Mail Your Disputes:
Experian
P.O. Box 4500
Allen, TX 75013
Equifax
P.O. Box 740256
Atlanta, GA 30374
TransUnion
P.O. Box 2000
Chester, PA 19016
💬 COMMENT BELOW:
Want more advanced templates? I have Pay-for-Delete letters, Goodwill requests, and Debt Validation letters too — just say the word. 👇
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Free Dispute Letter Templates
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