50 Best Credit Dispute Letter Templates

1. Personalize and precise claims
Make sure the template includes the creditor’s name, your account number, and the exact item you are disputing with dates and specific inaccuracies. Include a concise factual basis and reference any supporting documents you are sending, so the dispute is clear and verifiable.

2. Reference rights and timelines
Cite relevant rights under the Fair Credit Reporting Act and FDCPA where applicable, and specify the 30-day reinvestigation window. Request specific corrections or deletions and instruct the bureau to notify all furnisher parties of the outcome.

3. Clear actions and follow-up
State the exact outcome you want (deletion, correction, or verification) and how you want the bureau to report it to lenders. Include a plan for obtaining and delivering reinvestigation results in writing, and keep a record of all communications and dates.