To conclude my previous blog I would like to discuss how to dispute a credit error. You must inform the creditor or other information provider, in writing, that you dispute an item. You must include copies of documents that support your position. Many information providers supply an address for disputes. If the provider reports the item to a consumer reporting company, the report must contain a notice of your dispute. And if the information in your report is found to be inaccurate, the information provider is not allowed to report it again.

Below is a sample of the proper form for a dispute letter.

YourName                                                                                                                                                                                                        YourAddress                                                                                                                                                                                                    YourCity, State, Zip Code

Date

ComplaintDepartment                                                                                                                                                                                     NameofCompany                                                                                                                                                                                           Address                                                                                                                                                                                                                 City, State, Zip Code

To Whom it May Concern:

I am writing to dispute the following information in my file. The items I dispute also are circled 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 of item, such as credit account, judgment, etc. is inaccurate or incomplete because describe what is inaccurate or incomplete and why. I am requesting that the item be deleted 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 payment records and court documents supporting my position. Please investigate this (these) matter(s) and delete or correct the disputed item(s) as soon as possible.

Sincerely,

Your name

 Enclosures: (List what you are enclosing)

I hope this information was helpful to you. Please feel free to contact me. Kevin D. Heupel, Colorado bankruptcy attorney, 303-955-7570, Colorado Bankruptcy Help Email, personal bankruptcy free-consultation form .