How to send Credit Report Dispute Letters

When you send a dispute letter to the credit bureau's you'll want to make sure you include your signature, a copy of a utility bill, copy of your drivers license.

You want to make sure you put the date on the top of the letter when describing the dispute issue.

The credit bureau's have 30 days plus 5 days for mailing to get a response to you, if you send out your dispute by regular mail you will not have any proof of the dispute sent.

I suggest you send your dispute by certified mailing which does cost more but it's your only method to prove that the letter got to the destination at XYZ date.

Having the certified mailing doesn't mean you need to spend extra on the signature unless you want to but it's not required to have return receipt.

Make sure you mark down the date you send the letter in your calendar so your prepared to handle a follow up letter dispute if they take longer then the 30 day period.

You also can go above and beyond by getting your letters stamped by a Notoriety from your bank, that just proves you wrote the letters.

Here is a sample layout for a dispute letter:

[Name]
[Address]
[City,St ZIP]

Social Security number: [XXX-XX-XXXX]
Date of birth: [XX/XX/19XX]

Equifax
P. O. Box 740241
Atlanta, GA 30374-0241

01/01/2007

Dear Credit Bureau,

.....[Disputed information goes here]

I've sent this letter by certified mail and you've got 30 days to reply. 

Sincerely,

[Name]

[Signature]