Common errors to look for
- Personal information
- Inaccuracies w/account status
- Fraudulent accounts
- Balance errors
- Data mistakes
Examples of letters of dispute
Date
Your Name
Your Address, City, State, Zip Code
Complaint Department
Name of Company
Address
City, State, Zip Code
Dear Sir or Madam:
I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.
This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type ofitem, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what isinaccurate or incomplete and why). I am requesting that the item be removed (or request another specific change) to correct the information.
Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as apolice report, Identity Theft Affidavit, payment records, court documents) supporting my position. Please
reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.
In addition, pursuant to FACTA..as a victim of identity theft I am requesting that you provide me with copiesof any and all applications and business transaction records related to the fraudulent account(s). The copies
of the records can be (mailed to me at the address listed below or faxed to the number listed below. In addition, please make these records available to the Pocatello Police Department upon their request.
Sincerely,
Your name
Pros
The 604 dispute letter is a great way to remove errors hurting your credit score. This strategy will help you as follows:
- Easy to do : Writing a 604 dispute letter is easy, and you can even find templates online to help get started.
- Credit agencies have to investigate : When you submit a compliance statement to the credit bureaus, they must investigate your claim within 30 days and send back results of their findings in 5 days.
- Can get negative items removed : If you identify any errors on your report, the credit bureaus will take care of them and give a better score in return!
Cons
The thought of filing a formal complaint is not easy, but it's necessary in some cases. Dispute letters can help you secure the victory and protect your rights as well!
- The debt gets verified : What you thought was a mistake could be verified by credit bureaus. That means the negative mark on your report stays there forever!
- It's a long process : The sooner you get that loan, the better. A month waiting for an investigation can put a wrench in your plans and cost more money than just finishing up early!
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