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Sample credit report dispute letter

Updated on June 24, 2011

Here is a simple credit report dispute letter sample. Strictly speaking getting letters from the police or the court to support your position may be difficult but I hope you get the general idea. The letter is supposed to tell the company that you want to dispute some entries on your credit file and specify which entries. You then provide a reason why they can't be correct. You may need to provide proof from official sources. Include copies of the proof you have obtained with your letter.

Get help with letter writing here. For more samples visit the credit letters website.


May 14, 2007

Hetoni Grochen
45 The View
Michigan, State, MI 34546 - 886

Complaint Department
Credit Reports Archive Company
25 Tree Top Business Park
Bureau, BG 52416

Dear Sir or Madam:

I am writing to dispute the following information that is currently recorded against my name in my credit report file. The item that I am disputing is encircled on the attached copy of the report I received.

The item “Tax Court, Judgement” is inaccurate because I have never received a court judgement before and I am therefore requesting that the item be deleted or removed to correct the information. I have consulted court records on the indicated dates for any tax related defaults and also checked for judgments against my name and I have found that no such records exist. I have obtained letters from the court service and from the police to confirm this.

Enclosed are copies of the letters to support my position. Please investigate this matter and correct the disputed item as soon as possible.



Your name

- Copy of Credit Report
- Letter from the Court Service
- Letter from the Police


(Please note this sample letter and article is for information purposes only and should never be used to replace professional or legal advice.)

Sample credit report dispute letter
Sample credit report dispute letter


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    • profile image

      Cheaters 4 years ago

      Did you apply in the store or online? I work at the store and we are told that aptnicalps that are not approved will receive a letter within 10 days. If you were approved, you would have found out instantly (20 seconds at register). You say you applied twice, so I doubt that a mistake to the address was made twice. The phone number for the Old Navy Card is 1-877-ACCOUNT, give them a call and see what's up, if they have any record of your application on file. If you applied online, I'm not sure how that works, I have never done it that way.

    • profile image

      Aysel 4 years ago

      I have a contact us page, with a form that will ask for a pittneoal customers name, email address, business name, phone number, and a text area field for comments. I need to have this form submit to an email address. A Thank You page would be good, if possible. Nothing fancy, something very simple. What is the fastest and easiest way to create such a form? I'm on a shared server that does support simple scripts, but something easy. Thanks.