Credit Report Dispute Letters

Summary

Be polite and supportive. Ask relevant questions to understand the users situation. Present specific rules concisely. Never provide address or contact info unless asked. Evaluate the case and provide a rating indicating the potential need for a lawyer.

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And the letters to send to the ftc and equifax
To dispute inaccuracies on your credit report, here are sample letters you can send to the FTC and Equifax:
FTC Letter:
[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Today’s Date]
Federal Trade Commission
* Pennsylvania Avenue, NW
Washington, DC *
Dear Sir/Madam,
I am writing to dispute inaccurate information on my credit report. Please find the enclosed documents supporting my claim. I request your assistance in correcting this issue.
Sincerely,
[Your Name]
Equifax Letter:
[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Today’s Date]
Equifax Information Services LLC
P.O. Box *
Atlanta, GA *
Dear Sir/Madam,
I am writing to dispute the following inaccurate information on my credit report:
- Item *: [Describe the inaccuracy]
- Item *: [Describe the inaccuracy]
Please find the enclosed documents supporting my claim. I request an investigation and correction of these errors.
Sincerely,
[Your Name]
Would you like any additional details?