{"id":59198,"date":"2023-02-27T07:06:00","date_gmt":"2023-02-27T11:06:00","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=59198"},"modified":"2025-04-17T15:14:58","modified_gmt":"2025-04-17T19:14:58","slug":"credit-report-dispute-letter","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/credit-report-dispute-letter\/","title":{"rendered":"How To Send a Credit Report Dispute Letter (with scripts) [2025]"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"59198\" class=\"elementor elementor-59198\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-15c3fbe6 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"15c3fbe6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7b092ea9\" data-id=\"7b092ea9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67c6b8e elementor-widget elementor-widget-text-editor\" data-id=\"67c6b8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Your credit report dispute letter is a letter you send to credit bureaus to dispute any errors that are on your credit report.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>And it can be CRUCIAL to <u><a href=\"https:\/\/iwillteachyoutoberich.com\/how-to-improve-your-credit-score\/\" target=\"_blank\" rel=\"noopener noreferrer\">improving your credit score<\/a><\/u>.\u00a0Because the smallest error can affect your score.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>For instance, if your credit report says that you were late on your payments when you actually paid them on time, that affects nearly a <em>third<\/em>\u00a0of your credit score, since 30% of it is determined by the amount you owe.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>That\u2019s why it\u2019s so important to dispute any errors you find on your report.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>With so many credit report dispute letter scripts out there, which do you choose?<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>This one:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:html --><\/p>\n<blockquote>\n<p>Hello,<\/p>\n<p>I want to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received.<\/p>\n<ul>\n<li>X is wrong because Y. I have attached a receipt showing this.<\/li>\n<li>A is wrong because B. On December 21st, I sent an email (\u201cCorrect my record\u201d) requesting the change.<\/li>\n<li>C is wrong because D.<\/li>\n<\/ul>\n<p>I have also included my payment records. Please make sure that these errors are rectified soon.<\/p>\n<p>-Ramit<\/p>\n<\/blockquote>\n<p><!-- \/wp:html --><!-- wp:paragraph --><\/p>\n<p>BUT let\u2019s take a step back and get a bird\u2019s-eye view of this letter, why it works, and the exact steps you need to take in order to dispute errors on your credit report.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f11d175 elementor-widget elementor-widget-text-editor\" data-id=\"7f11d175\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:heading -->\n<h2>How to dispute errors on your credit report (with scripts)<\/h2>\n<!-- \/wp:heading --><!-- wp:paragraph -->\n<p>I asked my readers <u><a href=\"https:\/\/twitter.com\/ramit\/status\/945717852790718464\" target=\"_blank\" rel=\"noopener noreferrer\">how they improved their credit scores<\/a><\/u>\u00a0a while back \u2014 and disputing errors on their credit reports was one tactic that kept coming up.<\/p>\n<!-- \/wp:paragraph --><!-- wp:html --><center><img decoding=\"async\" class=\"wp-image-24616\" style=\"border: solid 4px #ffffff; box-shadow: 0px 0px 3px 0px rgba(0,0,0,.15);\" src=\"https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/Screen-Shot-2018-02-06-at-7.28.18-AM.png\" alt=\"Screen Shot 2018 02 06 at 7.28.18 AM\" width=\"600\" \/><br \/><img decoding=\"async\" class=\"wp-image-24617\" style=\"border: solid 4px #ffffff; box-shadow: 0px 0px 3px 0px rgba(0,0,0,.15);\" src=\"https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/Screen-Shot-2018-02-06-at-7.27.26-AM.png\" alt=\"Screen Shot 2018 02 06 at 7.27.26 AM\" width=\"600\" \/><br \/><img decoding=\"async\" class=\"wp-image-24618\" style=\"border: solid 4px #ffffff; box-shadow: 0px 0px 3px 0px rgba(0,0,0,.15);\" src=\"https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/Screen-Shot-2018-02-06-at-7.27.50-AM.png\" alt=\"Screen Shot 2018 02 06 at 7.27.50 AM\" width=\"600\" \/><\/center><!-- \/wp:html --><!-- wp:paragraph -->\n<p>You can turbocharge your credit score by finding and disputing the errors in your credit report.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>The process is going to be fraught with tense negotiations, countless emails sent, and late nights slaving over a hot spreadsheet while screaming into a telephone with your credit card company\u2019s outsourced customer support line.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>Just kidding! It just takes four steps:<\/p>\n<!-- \/wp:paragraph --><!-- wp:list -->\n<ul>\n<li><u><a href=\"#1\">Step 1: Get your credit report<\/a><\/u><\/li>\n<li><u><a href=\"#2\">Step 2: Find all errors on your credit report<\/a><\/u><\/li>\n<li><u><a href=\"#3\">Step 3: Send this credit report dispute letter script<\/a><\/u><\/li>\n<li><u><a href=\"#4\">Step 4: Receive the credit report dispute results<\/a><\/u><\/li>\n<\/ul>\n<!-- \/wp:list --><!-- wp:heading {\"level\":3} -->\n<h3 id=\"1\">Step 1: Get your credit report<\/h3>\n<!-- \/wp:heading --><!-- wp:paragraph -->\n<p>To dispute any errors on your credit report you must first get your credit report.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>Your credit report is an all-inclusive record detailing your credit history and information such as your:<\/p>\n<!-- \/wp:paragraph --><!-- wp:list -->\n<ul>\n<li>Loan history<\/li>\n<li>Accounts opened and closed<\/li>\n<li>Payment history<\/li>\n<li>Credit balance<\/li>\n<\/ul>\n<!-- \/wp:list --><!-- wp:paragraph -->\n<p>Credit bureaus issue your credit report based on information they receive from \u201cdata furnishers,\u201d or creditors you\u2019ve worked with (more on this later).<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>There are three major credit bureaus that will provide credit reports for you:<\/p>\n<!-- \/wp:paragraph --><!-- wp:list {\"ordered\":true} -->\n<ol>\n<li><u><a href=\"https:\/\/www.equifax.com\/personal\/\" target=\"_blank\" rel=\"noopener noreferrer\">Equifax<\/a><\/u><\/li>\n<li><u><a href=\"https:\/\/www.experian.com\/lp\/exp-cred-itp.html?bcd=ad_c_sem_427_195934054696&amp;k_id=02728dd5-241c-4cb2-96b1-ba15349036dc&amp;k_kw=kwd-12618301&amp;k_mt=e&amp;pc=sem_exp_google&amp;cc=sem_exp_google_ad_27946959_915476739_195934054696_kwd-12618301_e_1t1_02728dd5-241c-4cb2-96b1-ba15349036dc&amp;ref=headterm&amp;gclid=CIjUw4abrNQCFUkbaQodGRkODA\" target=\"_blank\" rel=\"noopener noreferrer\">Experian<\/a><\/u><\/li>\n<li><u><a href=\"https:\/\/www.transunion.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">TransUnion<\/a><\/u><\/li>\n<\/ol>\n<!-- \/wp:list --><!-- wp:paragraph -->\n<p>These are the primary credit bureaus \u2014 and the same ones that creditors, lenders, employers, and even potential landlords use to make sure that you\u2019re good about paying back debt on time.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>If your <u><a href=\"https:\/\/iwillteachyoutoberich.com\/how-to-improve-your-credit-score\/\" target=\"_blank\" rel=\"noopener noreferrer\">credit score<\/a><\/u>\u00a0is good (700+), you are fine just checking your credit report once a year.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>If you find yourself with bad credit (&lt;700) or if you think you\u2019ve been unjustly denied anything due to your credit score, though, you\u2019ll want to get your credit report to dispute anything erroneous in there.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>Luckily, you\u2019re entitled to a free credit report each year from each of the three major credit bureaus, per the <u><a href=\"https:\/\/www.consumer.ftc.gov\/articles\/0155-free-credit-reports\" target=\"_blank\" rel=\"noopener noreferrer\">Fair Credit Reporting Act<\/a><\/u>. To attain it, head to <u><a href=\"https:\/\/www.annualcreditreport.com\/index.action\" target=\"_blank\" rel=\"noopener noreferrer\">AnnualCreditReport.com<\/a><\/u>\u00a0(a site recommended\u00a0by the <u><a href=\"https:\/\/www.consumer.ftc.gov\/articles\/0155-free-credit-reports\" target=\"_blank\" rel=\"noopener noreferrer\">Federal Trade Commission<\/a><\/u>).<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>\u00a0<\/p>\n<!-- \/wp:paragraph --><!-- wp:shortcode --><!-- \/wp:shortcode --><!-- wp:paragraph --><!-- \/wp:paragraph -->\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8443d31 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"8443d31\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5c61cd5\" data-id=\"5c61cd5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fe83b82 elementor-widget elementor-widget-text-editor\" data-id=\"fe83b82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>NOTE: If you\u2019ve already used up your free credit report for the year, you\u2019ll still be able to attain it \u2014 you\u2019ll just have to pay a fee through the specific credit bureau.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Sites like <u><a href=\"https:\/\/www.creditkarma.com\/free-credit-report\" target=\"_blank\" rel=\"noopener noreferrer\">Credit Karma<\/a><\/u>\u00a0will allow you to view your TransUnion and Equifax credit report for free. However, in exchange, you\u2019ll have to view advertisements for their credit offers.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>When requesting your credit report, you\u2019ll fill out a form online that includes basic information (name, address, DOB, etc.) and also your social security number. Once the form is filled out, you\u2019ll send that information in and receive your credit report in minutes.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Alternatively, you can also order a physical copy of your report by calling the toll-free number 1-877-322-8228. You\u2019ll be asked to provide the same information as if you did it online.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>If you ordered your credit report via phone, you\u2019ll receive a copy of it \u201c<u><a href=\"https:\/\/www.consumer.ftc.gov\/articles\/0155-free-credit-reports\" target=\"_blank\" rel=\"noopener noreferrer\">within 15 days of receipt<\/a><\/u>,\u201d according to the FTC.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>If you ordered your credit report through the website, though, you\u2019ll be able to view your credit report right away.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>BONUS: Check out this quick video I made a while back explaining how you can check your credit score and get your credit report.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9483ef3 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"9483ef3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1c78208\" data-id=\"1c78208\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3a94c12 elementor-widget elementor-widget-video\" data-id=\"3a94c12\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=LhCEsiOG46I&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ed4c7b elementor-widget elementor-widget-text-editor\" data-id=\"8ed4c7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Once you receive your report, it\u2019s now time to find any and all errors that might be in there.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b8b74b elementor-widget elementor-widget-heading\" data-id=\"3b8b74b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-xl\">The world wants you to be vanilla...\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d96f02e elementor-widget elementor-widget-text-editor\" data-id=\"d96f02e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u2026but you don\u2019t have to take the same path as everyone else. How would it look if you designed a Rich Life on your own terms? Take our quiz and find out: <!-- notionvc: fb39c5a4-31e4-4cbb-96a5-9dbe8bc6c63c --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6d0754 elementor-widget elementor-widget-button\" data-id=\"d6d0754\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.iwillteachyoutoberich.com\/rich-life-quiz\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take the Quiz<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-704bad0 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"704bad0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2f61ade\" data-id=\"2f61ade\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-53fc4f2 elementor-widget elementor-widget-text-editor\" data-id=\"53fc4f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<!-- wp:heading {\"level\":3} -->\n<h3 id=\"2\">Step 2: Find any errors<\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A credit report error is simply anything that\u2019s wrong in your credit report. That means making sure that everything on your credit report accurately reflects your actions as a borrower.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The <u><a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-are-common-credit-report-errors-that-i-should-look-for-on-my-credit-report-en-313\/\" target=\"_blank\" rel=\"noopener noreferrer\">Consumer Financial Protection Bureau<\/a><\/u>\u00a0provides a substantive list of common errors that you might encounter in your report.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>They include:<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul>\n<li><strong>Identity errors. <\/strong>These are any issues with erroneous identity. Example:\u00a0The report got your name or address wrong, they mixed you up with a person with your name, or even cases of identity theft.<\/li>\n<li><strong>Incorrect reporting of account status. <\/strong>These are errors within your individual accounts. Example:\u00a0When the report says you have an account closed\/open when it isn\u2019t, it says you were late on an account payment when you weren\u2019t, or when they report the same debt multiple times.<\/li>\n<li><strong>Data management errors. <\/strong>This happens when you\u2019ve disputed your credit report already and the same errors appear on your next report. Example:\u00a0You\u2019ve sent a credit report dispute letter about an account you\u2019ve already closed but your next report still contains the error. \u00a0<\/li>\n<li><strong>Balance errors. <\/strong>It shows the wrong balance in your accounts. Example:\u00a0It says you owe $500 when you really owe $300. \u00a0<\/li>\n<\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p>Identifying these errors is crucial to your credit report dispute letter. So go through your credit report, line by line, and note any and all errors you find.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>And there\u2019s no one way to do this. You can print out the credit report and mark it up with a pen and highlighter, or you can just go through it and make notes in a notebook or a Google Doc. Any method works as long as you note all of the errors.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Once you\u2019ve found all of the errors, it\u2019s now time to draft your credit report dispute letter.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"3\">Step 3: Send\u00a0this credit report dispute letter script<\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Now it\u2019s time to use that email script I gave you at the top.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>This one:<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:html -->\n<blockquote>\n<p>Hello,<\/p>\n<p>I want to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received.<\/p>\n<ul>\n<li>X is wrong because Y. I have attached a receipt showing this.<\/li>\n<li>A is wrong because B. On December 21st, I sent an email (\u201cCorrect my record\u201d) requesting the change.<\/li>\n<li>C is wrong because D.<\/li>\n<\/ul>\n<p>I have also included my payment records. Please make sure that these errors are rectified soon.<\/p>\n<p>-Ramit<\/p>\n<\/blockquote>\n<!-- \/wp:html -->\n\n<!-- wp:paragraph -->\n<p>A few notes:<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul>\n<li><strong>Just get straight to the point. <\/strong>Just like when you\u2019re writing a cover letter or your resume, each word needs to earn its spot on the page. Your credit report dispute letter should be the same. No messing around. Just get straight to the damn point!<\/li>\n<li><strong>Give them their exact errors with evidence. <\/strong>Note exactly what you are disputing and provide evidence to make your case. Be as comprehensive as you need to be and include specific dates, payment amounts, and account names.<\/li>\n<li><strong>Enclose your copy of the credit report. <\/strong>Include your own copy of the report wherein you\u2019ve highlighted the errors. If you\u2019ve already marked up your own copy of the report for step two, this is a perfect place to send in your handiwork.<\/li>\n<\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p>Also, remember to keep a copy of the credit report for your records. If there\u2019s another data management error in the future, you\u2019ll be able to use it to dispute the error.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Now it\u2019s time to decide <em>where <\/em>you want to send your credit report dispute letter. You have three options:<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol>\n<li>The credit bureau<\/li>\n<li>The data furnisher<\/li>\n<li>Both<\/li>\n<\/ol>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p>Guess which one will increase your chances of having the dispute work?<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:html --><center><img fetchpriority=\"high\" decoding=\"async\" width=\"350\" height=\"263\" class=\"wp-image-24615\" style=\"border: solid 4px #ffffff; box-shadow: 0px 0px 3px 0px rgba(0,0,0,.15);\" src=\"https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/giphy-8.gif\" alt=\"giphy 8\" \/><\/center><!-- \/wp:html -->\n\n<!-- wp:paragraph -->\n<p>If you want to send your credit report dispute letter to a specific credit bureau, here are the links to exactly where you can send your dispute.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul>\n<li><strong>Experian: <\/strong><u><a href=\"https:\/\/www.experian.com\/disputes\/main.html\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.experian.com\/disputes\/main.html<\/a><\/u><\/li>\n<li><strong>Equifax: <\/strong><u><a href=\"https:\/\/www.equifax.com\/personal\/disputes\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.equifax.com\/personal\/disputes\/<\/a><\/u><\/li>\n<li><strong>TransUnion: <\/strong><u><a href=\"https:\/\/www.transunion.com\/credit-disputes\/dispute-your-credit\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.transunion.com\/credit-disputes\/dispute-your-credit<\/a><\/u><\/li>\n<\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p>If you want to send your credit report dispute letter to a data furnisher, you\u2019re going to have to handle that yourself since it\u2019s specific to you and your financial situation.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Once you\u2019ve sent in your credit report dispute letter, it\u2019s time to play the waiting game (everyone\u2019s most favorite game of course).<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"4\">Step 4: Receive the credit report dispute results<\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Luckily, you don\u2019t generally have to wait <em>too <\/em>long. The Consumer Financial Protection Bureau requires credit bureaus and data furnishers to \u201c<u><a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/if-a-credit-reporting-error-is-corrected-how-long-will-it-take-before-i-find-out-the-results-en-1339\/\" target=\"_blank\" rel=\"noopener noreferrer\">investigate the dispute within 30 days of receiving it<\/a><\/u>.\u201d After completing the investigation, they have five days to send you the results.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, there are a few things to note:<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul>\n<li>If you send in additional pieces of information regarding the dispute during the first 30-day investigation, they can extend it for 15 more days.<\/li>\n<li>They have 45 days if you send in your credit report dispute letter AFTER receiving your free yearly credit report.<\/li>\n<\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p>Once the investigation period is up, though, congrats! You\u2019ve successfully disputed with the credit bureaus using a great credit report dispute letter!<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You\u2019ll now receive a few things. First, you\u2019re going to get a complete summary on what the credit bureau discovered and the actions they decided to take to rectify the errors.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If they decided that what was in the previous credit report was correct, then they\u2019ll tell you that as well. \u00a0<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The credit bureau will also send you a brand new updated copy of your credit report (Note: This is NOT your annual free credit report) and you can frame it and put it on your office wall so you can let everyone know how much of a weirdo you are. I like to put them on my mantle like hunting trophies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>What to do if your credit report dispute didn\u2019t work<\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You might run into a case where your credit dispute didn\u2019t work and you didn\u2019t get the changes you wanted reflected on your report.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>It typically means that the issue you were trying to report wasn\u2019t actually an error when this happens \u2014 and that\u2019s <em>okay.<\/em>\u00a0There are still many different ways you can improve your credit.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here are a few resources you can use to get started doing that today:<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul>\n<li><u><a href=\"https:\/\/iwillteachyoutoberich.comiwillteachyoutoberich.com\/how-to-get-out-of-debt-fast\/\" target=\"_blank\" rel=\"noopener noreferrer\">How to get out of debt fast<\/a><\/u><\/li>\n<li><u><a href=\"https:\/\/iwillteachyoutoberich.comiwillteachyoutoberich.com\/how-to-improve-your-credit-score\/\" target=\"_blank\" rel=\"noopener noreferrer\">How to improve your credit score in 4 systems<\/a><\/u><\/li>\n<\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p>Getting out of debt and improving your credit score is crazy important. I cannot stress that enough.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>There\u2019s a reason it\u2019s on the second rung of my ladder of personal finance.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:shortcode -->\n<p><\/p>\n<!-- \/wp:shortcode -->\n\n<!-- wp:paragraph -->\n<p>To help you even more, I\u2019d like to offer you something: The first chapter of my New York Times<em>\u00a0<\/em>best-seller \u201cI Will Teach You to Be Rich<em>.<\/em>\u201d<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>It\u2019ll help you tap into even more perks, max out your rewards, and beat the credit card companies at their own game.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>I want you to have the tools and word-for-word scripts to fight back against the huge credit card companies. To download it free now, enter your name and email below.<\/p>\n<!-- \/wp:paragraph -->\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b92cdc elementor-widget elementor-widget-qi_addons_for_elementor_blockquote\" data-id=\"2b92cdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-blockquote qodef-layout--top qodef--\">\n\t\t\t\t<h4 class=\"qodef-m-text\">\n\t\t\tIf you liked this post, you\u2019d LOVE my Ultimate Guide to Personal Finance\n\t\t<\/h4>\n\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c710f4 elementor-widget elementor-widget-text-editor\" data-id=\"5c710f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It\u2019s one of the best things I&#8217;ve published, and totally free \u2013 just tell me where to send it:<!-- notionvc: ec5eb18e-8d61-43ed-9faa-71974196d47f --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ef2ebf elementor-widget elementor-widget-qi_addons_for_elementor_wp_forms\" data-id=\"4ef2ebf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_wp_forms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-wp-forms\">\n\t<div class=\"wpforms-container wpforms-container-full\" id=\"wpforms-53563\"><form id=\"wpforms-form-53563\" class=\"wpforms-validate wpforms-form\" data-formid=\"53563\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/wp-json\/wp\/v2\/posts\/59198\" data-token=\"616c9873956056bb406a67057db9d712\" 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class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"14\"><input type=\"hidden\" id=\"wpforms-53563-field_14\" name=\"wpforms[fields][14]\" value=\"{entry_page}\"><\/div><div id=\"wpforms-53563-field_20-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"20\"><div id=\"wpforms-53563-field_20\"><strong>If you like this post, you'd love my Ultimate Guide to Personal Finance<\/strong><\/div><\/div><div id=\"wpforms-53563-field_21-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"21\"><div id=\"wpforms-53563-field_21\">It\u2019s one of the best things I\u2019ve published (and 100% free), just tell me where to send it:<\/div><\/div><div id=\"wpforms-53563-field_10-container\" class=\"wpforms-field wpforms-field-name\" data-field-type=\"name\" data-field-id=\"10\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53563-field_10\">First Name <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-53563-field_10\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][10]\" placeholder=\"First Name\" required><\/div><div id=\"wpforms-53563-field_11-container\" class=\"wpforms-field wpforms-field-email\" data-field-type=\"email\" data-field-id=\"11\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53563-field_11\">Email <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"email\" id=\"wpforms-53563-field_11\" class=\"wpforms-field-medium wpforms-field-required\" data-rule-restricted-email=\"1\" name=\"wpforms[fields][11]\" placeholder=\"Email Address\" spellcheck=\"false\" required><\/div><div id=\"wpforms-53563-field_19-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"19\"><div id=\"wpforms-53563-field_19\">Along with the guide, I'll also send you my Insiders newsletter where I share other exclusive content that's not on the blog.<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"53563\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/59198\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/credit-report-dispute-letter\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-53563\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send me the guide!\" aria-live=\"assertive\" value=\"wpforms-submit\">Send me the guide!<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Your credit report dispute letter is a letter you send to credit bureaus to dispute any errors that are on your credit report. And it can be CRUCIAL to improving your credit score.\u00a0Because the smallest error can affect your score. For instance, if your credit report says that you were late on your payments when [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":93065,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"","_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[160],"class_list":["post-59198","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"acf":[],"aioseo_notices":[],"modified_by":"ljknoll95@gmail.com","_links":{"self":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/59198","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/comments?post=59198"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/59198\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media\/93065"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=59198"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=59198"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}