37 Days to Clean Credit

Initial Dispute Letter to Credit Bureau

Now that you have your credit report with all of your negative information, it’s time to dispute what is on it.  You will need to send a letter of dispute separately to each credit bureau.  Just because one removes the negative information, doesn’t mean that another will also remove it.  At this point, you need to be organized.  You will need to start a file containing a copy of every letter that you send.  Since you will be sending these certified mail, you will receive a signed form back proving that the bureau did receive it.  This will be dated and that’s when the clock starts ticking.  So come up with a system that works for you and be vigilent about keeping track of all that you send and all that you receive back. 

Since we are working with Experian, Equifax and TransUnion, their addresses are as follows.

Equifax Credit Information Services, Inc.
P.O. Box 740256  Atlanta, GA 30374

PO Box 9556
Allen TX 75013

Customer Disclosure Center
Trans Union Consumer Relations
PO Box 2000
Chester, PA 19022-2000


You shouldn’t put more than 3 disputed items per letter.  Your initial letter should dispute the item itself, not the separate parts of the item.  For example, you are going to ask for verification of the account. You aren’t going to ask to verify the account number or the high balance or the date the account was opened.  These will be disputed later if the initial letter doesn’t work.  Here’s a sample letter.  Change whatever you want to change, but always include the following in the letter:

1. Name 2. Social Security Number 3. Birth date 4. Current address and any addresses for the previous 5-7 years. 4. Telephone number 5. Copy of current drivers license with current address. 

Your Name
123 Your Street Address
Your City, Your state Your zip code

The Credit Bureau
Bureau Address

Dear Credit Bureau,

This letter is to inform you that you are reporting inaccurate credit information on my credit report. 

The  following information in my credit profile is having damaging effects on my good credit standing. I’m sure you are aware that credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor’s part.

The following information therefore needs to be verified or deleted from the report as soon as possible:

Account name, account number

Please delete the above information as quickly as possible.


your signature

Your Name
SSN# 123-45-6789
Birth date Copy of driver’s license.

Send these letters registered or certified and don’t lose the receipt that is returned.

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