SAMPLE LETTER – EXPERIAN DISPUTE If you find items on your credit report that are incorrect, you can and should pursue the credit bureau to have the incorrect item removed.

Under the Fair Credit Reporting Act both the credit reporting company and the person/company for putting the information on your credit report are responsible for correcting inaccurate or incomplete information in your report.

They must investigate your claim and if they agree there’s merit to your dispute they will forward it to the information provider for investigation.

When dealing with a credit bureau like Experian, you need to make sure that you have all your documentation handy. Identify every item on your report clearly. Be sure to state that you are disputing an item or items. Make copies of all pertinent documentation. Remember that Experian receives thousands of inquiries a day. Here is a sample letter to get you started.

Experian 2220 Ritchey Santa Ana, CA 92705 (Current Date)

Dear Credit Bureau, I recently applied for credit for a new washing machine and was declined due to a low credit score. When I requested a copy of my credit report I was shocked to find several incorrect items that lead to my low credit score.

I am disputing the following items on my report and would like to have them removed from my credit report as soon as possible.

Late Payment to Sears account: Enclosed are copies of all my statements and cancelled checks showing payments made on time.

Collection Item for Joe’s Grocery Store: This item is the responsibility of my ex-husband. Attached is a copy of the court document stating that he is responsible. Please investigate these items and have them removed from my credit report. Thank you for your cooperation.