A dispute letter is how you tell a consumer reporting agency or furnisher that something on your credit report is inaccurate, incomplete, or cannot be verified. Done well, a dispute letter is factual, specific, and evidence-based. Done poorly, it can be ignored or dismissed.
A good dispute letter includes your identifying information, a clear description of each item you are disputing, the specific reason you believe it is inaccurate or incomplete, and any supporting documentation you have. It does not make vague accusations. It does not threaten. It states the facts.
Once a consumer reporting agency receives your dispute, it generally has 30 days to investigate. It forwards the dispute to the furnisher, which investigates and reports back. The agency then notifies you of the results.
When you identify a specific item you believe is inaccurate or incomplete, CREDESSES helps you build a factual dispute letter, reviews it with you, obtains your written authorization, and sends it with proof of mailing. We track each dispute from submission through response in your client portal.
If this guide raised questions about your specific situation, we are happy to help.
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