Sample Dispute letter 1 incorrect current balance

Okay so you want to dispute a balance that you have on an account for your credit report. Here's what you do. First answer the following questions so you have a clear understanding of how this works.
Is the account older then 7 years?
Is the account near 7 years old?
Is the account coming from a collection agency who are asking you for money when you haven't heard from Jack **** in years?


If you answer yes then you might want to re-think what your doing otherwise scroll down to the sample dispute letter below.

Okay so if the account is older then 7 years then you can just write the CRA's explaining that and it will get removed pretty easily in 30 days. Send the letter via USPS and use a return receipt this will show them you mean business. It's not required but you can sue them later if they do not comply.

The 7 year date goes based on the date the account was first delinquent and no other payments caught you up. Sometimes you might think it's older then 7 years and it's not be sure that it is.

If a collection agency is crabbing up your butt then you need to evaluate whether you want to send anything to the CRA's, you really need to send a dispute to the collection agency first that will hold them off.

You also have an option to call the credit bureau's too look here for those details.

Always when sending disputes include a copy of your drivers license and utility bill for proof of residence. Send the letters certified mailing by usps to force the 30 day reply from the CRA's.

Don't forget to include your middle name too !

[Date]

[Full Name]
[Your Address]
[City, State and Zip Code]

[Social Security Number]

Equifax
P.O. Box 740241
Atlanta, GA 30374

TransUnion
P.O. Box 1000
Chester, PA 19022

Experian
P.O. Box 2002
Allen, TX 75013

Re: Credit report error

Dear Sir or Madam:

I have discovered inaccurate information on my credit report maintained by [credit agency name]. The report is in my name [enter your full name here] and my Social Security number is [enter your Social Security number here].

Enclosed, please find a copy of my credit report containing the incorrect data. I highlighted the errors. Specifically, the following information is in wrong:

[Jenny Fisher Account XXXX3455 ] is showing the incorrect current balance.  Please remove this account asap from my credit report.

If you have any questions about my request or the credit information in question, please do not hesitate to call me [at work or home phone number, depending upon when you would prefer to discuss the matter].

Thank you for your prompt attention to my request.

[Full Name]

[Your Signature]


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You can also see a dispute sample from myfico.com