Credit Score

Sample Dispute Letter http://a1credit-now.com

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

Date
Your Name
Your Address,
City, State, Zip Code

Complaint Department
Name of Company
Address
City, State, Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my
file. The items I dispute also are encircled 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 deleted (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, court documents) supporting
my position. Please investigate this (these) matter(s)
and (delete or correct) the disputed item(s) as soon
as possible.

Sincerely,
Your name

Enclosures: (List what you are enclosing.)
Need More Examples: http://a1credit-now.com
Consumer reporting companies must investigate
the items you question 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 is required to investigate, review the
relevant information, and report the results back
to the consumer reporting company. If this investigation
reveals that the disputed information is inaccurate,
the information provider has to notify the nationwide
consumer reporting companies so they can
correct it in your file.

When the investigation is complete, the consumer
reporting company must give you  the results in
writing, too, and a free copy of your report if the
dispute results in a change. If an item is changed
or deleted, the consumer reporting company is not
permitted to 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 correction to anyone who received
your report in the past six months. You also can
ask that a corrected copy of your report be sent to
anyone who received a copy during the past two
years for employment purposes.

If an investigation does not 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 for this service.
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm