Basic Dispute Letter

The first step in cleaning up your credit is to dispute the negative information on your credit reports. You will need to send a letter to each of the three credit bureaus. Each letter should have the negative entries listed out as germane to that particular report. For example, TransUnion might not have the exact same negative entries as Equifax. So, you must review each report thoroughly and address the negative entries only listed on that particular report.On the initial round of letters, you can use the reason "item verify". This will ask the credit bureau to "verify" this negative information directly with the original creditor. Which does not always happen but this is the first step to getting this off your report. If the credit bureau comes back with "Item Verified", you can then dispute this entry directly with the Original Creditor. (see "Request an Investigation from an Original Creditor" letter).

When sending this letter, you can also dispute any other addresses that are listed on the report. When you mail this to each bureau, make sure to sign the letter and include a copy of your current driver's license.

Date

Your Name
Your Address
SSN 000-00-0000
DOB: date of birth

Equifax Information Services
P O BOX 740256
Atlanta, GA 30374

To Whom it May Concern:

I've just reviewed my credit report and noticed there are several inaccurate items on my report as follows:

Federal CU
Account: XXXXXXXXXXXX
Item Verify

Incorrect Associated Address: list out any other addresses listed on the report
I have never lived there.

I have enclosed a copy of my driver's license as proof of identity.

Sincerely,

Your Signature

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