Inaccurate Payment History Sample Letter
Below is a form letter that you may use to dispute to the 3 major credit bureau's Equifax, Trans Union and Experian
an inaccurate payment history on your credit report. If your married, be sure that you send these individually to each credit bureau.
Date: _________________________
Name: (First, Middle, Last Name, Jr. Sr.)
Street: _________________________________________________________
City, State, Zip Code: ______________________________________________
Phone # ________________
Social Security # _________________
Date of Birth: _________________
Previous address (es) for the past 5 years
(Include zip codes)
Name of Credit Bureau _________________
Address: _________________________________________________________
City, State, Zip: ____________________________________________________
Re: Inaccurate payment history appearing on credit report
Dear Customer Relations Representative:
Enclosed please find a copy of my credit report. I have circled the item (s) that I believe are incorrect. Please investigate this item (these items) immediately.
_______________________________________________________________________
_______________________________________________________________________
_______________________________________________________________________
Since this account (these accounts) has (have) been paid promptly and satisfactorily, the credit report does not reflect an accurate credit history.
This inaccuracy (these inaccuracies) is (are) extremely damaging and unfair to me.
When you have completed your investigation, please send me a letter reflecting the results of the investigation.
Sincerely,
(Print your name)
(Signature)
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