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Write your own dispute letter in minutes.
Choose the type of error, fill in your details and preview the letter as you type. Copy it or download it as a .txt file to print, sign and mail yourself.
These letters are your own dispute. Templates are general information, not legal advice. Only inaccurate, incomplete or unverifiable information can be corrected or removed.
Bureau dispute
Follow-up
Creditor dispute
Preview
[Your full name] [Street address] [City, state, ZIP] [Date] Experian P.O. Box 4500 Allen, TX 75013 Re: Request for reinvestigation of an inaccurate late payment To whom it may concern: I am writing to dispute inaccurate information in my credit file. The following account is reported with a late payment that is not accurate: [Creditor name], account ending in [last 4]. Under Section 611 of the Fair Credit Reporting Act, I request that you conduct a reasonable reinvestigation of this item and correct or delete the inaccurate late payment. I have enclosed documents that support my dispute. Please send me written notice of the results of your reinvestigation and an updated copy of my credit report if any change is made. Sincerely, [Your full name] Enclosures: - Copy of a government-issued ID - Copy of a recent utility bill or bank statement (proof of address) - Copies of documents supporting my dispute
Not legal advice. This template is general information to help you write your own dispute. You are responsible for its content and for sending it. Only inaccurate, incomplete or unverifiable information can be corrected or removed.
How to use them
Four steps to a well-documented letter.
- 01
Pick the error type
Choose the template that matches what’s wrong. Use one letter per bureau that reports the error.
- 02
Fill in the details
Identify the account and explain, in your own words, what’s wrong and why.
- 03
Attach your proof
Include copies of your ID, proof of address and anything that supports your dispute.
- 04
Send and keep records
Mail it with tracking, keep copies, and note the date. Bureaus generally have 30 days to investigate.
FAQ
Frequently asked questions.
Yes. You fill them in, sign them and send them yourself. Storehouse doesn’t send template letters or dispute on your behalf.
Send a separate letter to each bureau that shows the error. Each bureau keeps its own file and investigates separately.
A copy of a government-issued ID, proof of address (such as a utility bill) and copies of any documents that support your dispute. Never send originals.
Bureaus generally have 30 days to investigate (up to 45 in some cases) and must send you the results. If an item is verified and you still believe it’s wrong, the ‘Method of verification’ template helps you follow up.
The templates are a do-it-yourself starting point. The Dispute Center, part of Plus, finds possible errors across all three reports, drafts letters per item and per bureau, and tracks every response. You still approve each letter, then Storehouse prints, mails and tracks it ($4.99 per item).
Related
Keep exploring
Dispute Center
Letters drafted and tracked for you to approve.
How to dispute your report
A step-by-step guide.
Credit Monitoring
Spot errors across all 3 bureaus.
Want the errors found and the letters drafted?
The Dispute Center reviews all three reports, drafts letters per item and tracks every round. You approve each one.
Plus: 30 days free, then $59.99/mo. Today’s total is $0.00. Card required up front. You’ll be charged $59.99/mo when the 30-day trial ends unless you cancel before then. Cancel anytime. New members only. Checking your own credit in Storehouse is a soft inquiry and doesn’t affect your score.