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Credit Dispute Letter – Advanced Method

Use this letter to dispute negative information on your credit report. This credit dispute method works much better than disputing online. The key to this method is specifically listing out each inaccuracy in detail so each item has to be verified by the agency.

Sample Credit Dispute Letter


  1. Fill in all fields highlighted with your information
  2. If contacting a collection agency, include the original card account number
  3. Also include any account number assigned by the collection agency–this number will be on one of your collection letters
  4. Replace the examples in this letter with the actual errors you found–do not simply send this letter, as you will need to add information related to your particular circumstances
  5. Remove highlighting
  6. Copy-paste everything below the dotted line into a new document
  7. Print and sign

[Today’s Date]

[Original creditor name (or name of collection agency if account was sold)
Creditor address
Creditor City, State, ZIP]

To Whom It May Concern:

In a recent review of my credit report, I have noticed some errors. Please make the following changes:

[Account name], account # [account number]
Example 1: The Date of First Delinquency with original creditor is not provided. Please provide this.
Example 2: The end of the seven-year reporting is not listed. Please provide this.
Example 3: Credit Limit is not listed. Please provide this.
Example 4: Date of Major Delinquency is not listed. Please provide this.
Example 5: Actual Payment Amount is incorrect. Please correct or remove this.

[Account name], account # [account number]
Example 6: The Date of Major Delinquency is not listed. Please provide this.
Example 7: Charge Off Amount is not provided. Please provide this.
Example 8: Incorrect Account Status. Please correct or remove this.

In the event that you cannot verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies.


[Your Name
Your Address
Your City, STATE ZIP]

If you’re the type of person who would rather have a professional handle it and just be done with the whole thing, I suggest you check out Credit Saint. They’ll take care of you.

Disclaimer: These letters are provided for your information only and are not intended to be legal advice. You are responsible for all content and all consequences if you adapt these template letters for your personal use. As with all legal matters, if you have concerns about the potential legal consequences of sending a goodwill letter, you should consult with a licensed attorney.



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