If you suspect identity theft, check your credit history. If you feel as though your credit history is incorrect, you should report any disputes in writing. The following is a sample credit dispute letter:
____________________________________________________
[Date]
[Your Name]
[Your Address]
[Your City, State, Zip Code]
Dispute Department
[Name of Credit Reporting Agency]
[Address]
[City], [State], [Zip Code]
Dear Sir or Madam:
I am writing to dispute information in my credit report. The items I wish to dispute are listed below and also highlighted on the attached copy of my credit report
[List the item that you feel is inaccurate including the type of account, name of the financial institution, full or partial account number and detailed information about what is incorrect. Include what changes you feel should be made.]
Enclosed are copies of [payment records, credit report letters from the creditor, court documents, etc.] supporting my dispute. Thank you for investigating this matter.
Sincerely,
[Signature]
[Your full name]
[Date of birth]
[Social Security number]
Enclosures: (List what documents are enclosed with your letter)
You can secure a copy of your credit report via http://www.annualcreditreport.com. It can bee accessed through links from the Federal Trade Commission (www.ftc.gov), Equifax (www.equifax.com), Experian (www.experian.com) and TransUnion (www.transunion.com) websites.
Links:
© 2004, Law Office of David L. McGuffey, LLC
This page last updated:
| 
