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How to Dispute Credit Report Errors

Your credit report contains information about where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. The federal Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies.

Some financial advisors and consumer advocates suggest that you review your credit report periodically. Why?

  • Because the information it contains affects whether you can get a loan — and how much you will have to pay to borrow money.
  • To make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.
  • To help guard against identity theft. That’s when someone uses your personal information — like your name, your Social Security number, or your credit card number — to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.

Getting Your Credit Report

An amendment to the FCRA requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.

For details, see Your Access to Free Credit Reports at .

How to Order Your Free Report

The three nationwide consumer reporting companies have set up one website, toll-free telephone number, and mailing address through which you can order your free annual report. To order, visit , call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can use the form in this brochure, or you can print it from . Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through , 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order from only one or two. The law allows you to order one free copy from each of the nationwide consumer reporting companies every 12 months.

You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide consumer reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources.

Other situations where you might be eligible for a free report

Under federal law, you’re also entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, based on information in your report. You must ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company.

You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft.

Otherwise, a consumer reporting company may charge you up to $10.50 for another copy of your report within a 12-month period. To buy a copy of your report, contact:




Under state law, consumers in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont already have free access to their credit reports.

For details, see Your Access to Free Credit Reports at .

Correcting Errors

Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the consumer reporting company and the information provider.

Step One

Tell the consumer reporting company, in writing, what information you think is inaccurate. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your report with the items in question circled. Your letter may look something like the one on page 4 . Send your letter by certified mail, “return receipt requested,” so you can document what the consumer reporting company received. Keep copies of your dispute letter and enclosures.

Consumer reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file.

When the investigation is complete, the consumer reporting company must give you the results in writing and a free copy of your report if the dispute results in a change. This free report does not count as your annual free report. If an item is changed or deleted, the consumer reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The consumer reporting company also must send you written notice that includes the name, address, and phone number of the information provider.

If you ask, the consumer reporting company must send notices of any corrections to anyone who received your report in the past six months. You can have a corrected copy of your report sent to anyone who received a copy during the past two years for employment purposes.

If an investigation doesn’t resolve your dispute with the consumer reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the consumer reporting company to provide your statement to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service.

Step Two

Tell the creditor or other information provider, in writing, that you dispute an item. Be sure to include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if you are correct — that is, if the information is found to be inaccurate — the information provider may not report it again.

Adding Accounts to Your File

Your credit file may not reflect all your credit accounts. Although most national department store and all-purpose bank credit card accounts will be included in your file, not all creditors supply information to consumer reporting companies: some local retailers, credit unions, travel, entertainment, and gasoline card companies are among the creditors that don’t.

If you’ve been told that you were denied credit because of an “insufficient credit file” or “no credit file” and you have accounts with creditors that don’t appear in your credit file, ask the consumer reporting companies to add this information to future reports. Although they are not required to do so, many consumer reporting companies will add verifiable accounts for a fee. However, understand that if these creditors do not report to the consumer reporting company on a regular basis, the added items will not be updated in your file.

When negative information in your report is accurate, only the passage of time can assure its removal. A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. There is no time limit on reporting: information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you’ve applied for more than $150,000 worth of credit or life insurance. There is a standard method for calculating the seven-year reporting period. Generally, the period runs from the date that the event took place.

For more information, see Building a Better Credit Report at .

Sample Dispute Letter

Your Name
Your Address, City, State, Zip Code

Complaint Department
Name of Company
City, State, Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.

This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be removed (or request another specific change) to correct the information.

Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Your name

Enclosures: (List what you are enclosing.)


The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues , visit or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network , a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. 

FTC seal Federal Trade Commission Protecting America's Consumers

Question:    Is Fighting for Your Good Name Disputing Inaccurate Credit Items;  Legal? 
Answer:   Yes!

Question:    Are All Credit Dispute Letters the Same? 
Answer:   No!

Q: What Type of Credit Dispute Letters Can I Expect to Receive in My Purchase?

A: Your credit dispute letters will be professional, which are designed to be sent out timely, and not designed to get the credit agencies attention!

The key to credit disputing are the letters! You MUST HAVE Great Proven Letters Available to Accomplish the Job of Removing Negative or Inaccurate Tradelines or Information from Your Credit Report!

We have put together a collection of 120 Credit Dispute Letters, Complaint Letters, and Instructions which are 100% Guaranteed to work. These ARE NOT form letters you can download from the Internet. These are letters we use to dispute our clients negative and adverse trade lines. These are the same dispute letters we sell and provide to our affiliate credit partners. These are the same credit dispute letters we have sold to new start up credit repair agencies that requires a wide variety of credit dispute letters to service their business needs. Our letters use the wording and threats the credit bureaus care about. We will give you letters and instructions that will make the credit bureaus remove items just because they do not want the problems of a civil suit.

1) Under section 15 U.S.C. § 1681s of the FCRA, a wronged party may collect $1000 for each willful or negligent act which results in the violation of the FCRA. Any person may file suit in local court to enforce the FCRA. We will show you how to use Credit Dispute Letters to make the credit bureau's remove items just because they don't want to go to small claims court and end up removing the disputed tradeline and paying you a CASH REWARD for their neglect!

Q: Should I Hire a Law Firm to Send Dispute Letters and Repair My Credit? NO, Here's Why!

1) For the Most Part, these law firms don't care about your credit because you pay them monthly! Do they really want your credit to get better, and then they lose their monthly income by Rapidly Removing Trade Line Errors. This would not make any financial sense at all. They want to delay any credit repair as long as possible. They will try and string you along by getting an inquire removed. The average customer continues to pay this monthly fee for 6 months. In general, they are dispute mills that don't work!

2) You keep paying and get very little results and they send out generic credit dispute letters and keep taking your money.

3) The credit bureaus know these companies and get thousands of letters from them. This is bad for you, and the credit bureaus don't take your challenges seriously!

Q: Do I have to be an expert to run a credit repair business or remove disputed items?
A: Absolutely not. We give you the ability to operate your credit repair business just like the large service providers at a fraction of the cost. 

Q: What does it cost to start a credit repair business?
A: The initial start-up costs may vary. If your looking to simply work on your personal credit or if your looking to begin a new career in the credit repair industry, you easily can begin by simply purchasing one of our credit disputing packages. There may be additional costs if you choose to expand your business by incorporating, marketing, creating a web site, renting office space and other typical start-up costs. For example, we have clients that has purchased our package with the sole purpose of starting a home office or larger commercial office with the intentions of generating several thousands of dollars per month. Or like we said before you could simply be looking to make a small investment and start attacking your own personal credit report with the intentions of removing your negative or inaccurate items showing on your credit report.

Q: What is bad credit?
A: When people talk about bad credit, what they mean is that they have an unfavorable credit rating or unfavorable items on their credit report that make it difficult and expensive to obtain new credit. Disputing items on a credit report is the fastest way to bounce back from bad credit or bankruptcy.

Q: Is credit repair legal?
A: There is nothing illegal about disputing items on a credit report. In fact, the Fair Credit Reporting Act (FCRA) spells out legal rights and protocol for disputing items on a credit report. In addition, the Federal Fair Credit Billing Act (FCBA) allows the right to request broad amounts of information regarding billing and payment history. The Fair Debt Collection Practice Act (FDCPA) gives citizens rights and protections against the activities and duties of debt collectors.

Q: How do you actually repair credit reports?
A: Enter in your or your client's information. 1) Select which items to include in the letter, select the letter template and Company the letter is going. 3) Print and mail the letter. You will then log the dispute letter for your records. 4) Then Wait! The Federal statute dictates an investigation must be completed. If the information is inaccurate, misleading or unverifiable it must be removed from your client's credit reports. Once you our your client receives updated credit reports from the bureau, log the results in your records and that's it. If you have multiple letters you have to send you would send all the letters out around the same time, and you will wait for a reply then if needed you will then send out the "next level" and escalation letters which will force then to prove why they are reporting this information against you. More times that none these letters will quickly force the bureau to remove the disputed trade line.

Q: Can anyone run a credit repair business?
A: Yes. With our help and support you will have the ability to operate your credit repair business just like the large providers at a fraction of the costs and with better results.

Q: Do I have to be an attorney to repair credit?
A: No.

Q: How much money can I make?
A: As a commercial credit repair firm you have the potential to obtain an unlimited number of customers, prospects, affiliates and users. We serve all types of businesses, from home businesses to multi-million dollar enterprises. The Credit Repair Industry is a billion dollar market that is significantly untapped. With 96% of credit reports containing errors, the sky is the limit as to your income potential.

Q: Is any training required to learn how to use your dispute letters?
A: Our dispute letters are designed to be easy to use and can be used immediately. Our customers find that using our letters and instructions are extremely intuitive and user-friendly. However, on-line and phone support is available.

Q: How quickly can my company be up and running?
A: You can be up and running immediately.

CREDIT DISPUTE LETTER PACKAGES:    (Credit Letters Revised 06/15/2011)







The letters you will recieve provides all the documents needed to quickly and efficiently challenge and remove inaccurate or negative credit items on a credit report. You will have the ability to deal with credit bureaus, collection agencies, credit card companies, and lawsuits.  Below you will find a few letters you will receive with our 120 Credit Dispute Letter Pack.  Arm yourself with the information and material you will need to keep your Credit Score High, and remove unwanted items and inquires off your credit report!  These are the same letters professionals use to fight inaccurate and unwanted items off a credit report.  If you can spend $2-$5 and 2-3 hours per week on your credit report, we can guarantee you will be able to remove your unwanted credit reported items.   Again: If you can invest $2-$5 and 2-3 hours per week, on your credit report, we guarantee you will be able to remove unwanted credit report items.

Our collection of 120 Credit Dispute Letters, Complaint Letters, and Instructions are 100% Guaranteed to work! These ARE NOT Form Letters which you can download on the Internet. These are legal and professionally prepared letters used to dispute negative and adverse trade line items. These Letters provides the documents you need to quickly and efficiently deal with credit bureaus, collection agencies, credit card companies and lawsuits. These are the exact same dispute letters we use to challenge credit repair disputes. Furthermore, these are the exact same letters which has been sold to new start up credit repair agencies which requires a wide variety of credit dispute letters to service their business needs. Our letters have been revised and updated to reflect various credit law changes to present.  These 120 plus   letters have teeth enough to remove foreclosures, charge offs, bankruptcies, and repossessions.

These letters use the wording and threats the credit bureaus care about. This package provides you with the letters and instructions that will make the credit bureaus remove items just because they do not want the problems of a civil suit.


We warranty the full sales price of our 120 Credit Dispute Letters so as long as you meet these requirements.

1) You will need to provide a credit report; 6 months prior to requesting a refund, showing your credit at the point of you receiving our Credit Dispute Letters.

2) At the time you request a refund; You Must Have No Less Than 6 Letters; from any of the 3 major credit agencies, including Equifax, Experian, and Transunion, providing evidence that you have sent out letters challenging your negative, or inaccurate items, being reported against you.

3) At the time you request a refund; You Must Have No Less Than 6 Letters; that You Have Sent, to the credit agencies, showing that You have sent at least 6 letters to either of the 3 listed credit agencies.

4) You MUST provide a current credit report, at least 6 months after your first credit report, at the time of refund; showing that no negatives items have been removed from your credit report after you purchased our dispute letters.
That's It!

We are confident that if you:

1) Pull your credit report at the time of your purchase.

2) Spend a minimum of 2-3 hours per week, analyzing your credit report, picking which letter, filling out our letter with your information, and mailing these letters out.

3) Spend a minimum of $3-$10 dollars per week mailing our letters; registered mail, to the credit agencies disputing your credit.

4) Then responding to the credit agencies responses with our 2nd and 3rd wave letters, YOU WILL SEE RESULTS!

Please be aware that some items will fall off with one letter but some items will require 2 and 3 letters to force the credit agencies to remove inaccurate trade line items!


A: Because We Know Our Credit Dispute Letters Work.  PERIOD!

The Hard Part Is Done! We spent thousands of dollars in legal fees and thousands of hours mailing these letters. We have learned which letters and scripts works and which forms works the best!  We have a great program and great credit dispute letters;  FULL 100% MONEY BACK GUARANTEE!

These letters are great gift items and a great way to buy something positive for someone you know that may needs it!

Disputing Inaccurate Credit Items