Credit Repair Letter Samples

A copy of the credit repair letter and enclosures should be sent to each of the three credit agencies at the same time so that all of the credit records are updated appropriately. 

Each letter should have the inaccuracies and mistakes listed that are germane to the credit report from that particular credit bureau. Mistakes may not show up on all three credit reports. 

The letter should be sent by certified mail with a return receipt requested. This will enable the consumer to prove that the letter was sent and delivered. 

The credit bureau must respond with 30 days. If it fails to respond within 30 days, the consumer may have the right to have all the discrepancies removed. 

Any consumer, who wants to improve their credit score, will be advised to first check the accuracy of their credit report. If there are any inaccuracies, this may be the quickest way to raise a credit score. 

Below are examples of a credit repair letter:

Sample 1 – Credit Repair Letter

Consumer’s Name
Consumer’s Address
City, State, Zip Code
Date of Birth
Social Security number
Phone Number

Date

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

To Whom It May Concern,

I am writing to dispute the following information in my credit report file. The documents are attached and the disputed items have been circled.

The following items are inaccurate or incomplete. Kindly remove or correct the information:

(The following information should be given for each item in dispute)
Name of Creditor, Company or Court order:
Account Number:
Account Description:
Explanation as to why the information is incorrect:

I have enclosed copies of my court documents, payment records and (any other relevant documents should be enclosed) to support my position. Please investigate these issues as quickly as possible because they are having an adverse effect on my financial situation. 

I have been wrongfully denied credit for (the type of credit denied should be stated), which was not only very embarrassing, but has caused me financial distress in other areas as well. 

Thank you for attending to this as quickly as possible.

 Sincerely, 

Consumer’s signature and name
List of enclosures (a copy of the consumer’s current driver’s license can also be included)

 
 

Sample 2 – Credit Repair Letter

 Date

Your Name
Your Address
City, State Zip
Phone Number 
Social Security Number
Date of Birth
Name of Credit Bureau
Credit Bureau Address
City, State Zip 

To Whom It May Concern,

While reviewing my credit report per your file, I noticed that there were some errors that I would like to dispute. The incorrect information listed on my credit report is negatively affecting my credit score and I would like the matter fixed immediately. 

I have enclosed a copy of my credit report highlighting the discrepancy along with the inaccurate information listed below:

Creditor/Company Name:
Account Number:
Account Description:
Explanation to credit bureau as to why the information is incorrect:

I have also attached a copy of the document for further information that your records are in fact incorrect. Under Fair Credit Reporting Act, I request that you investigate this matter and provide me with an explanation of your discoveries within the next 30 days. 

Once your investigation is complete, I would like my credit report updated accordingly. Your attention to this matter is greatly appreciated.

Sincerely,

Your Name