How do I write a dispute letter to creditors?
Andrew Campbell
Updated on February 17, 2026
609 Letter Example
- YOUR NAME. YOUR STREET ADDRESS. YOUR CITY, STATE AND ZIP.
- DATE. ADDRESS OF CREDIT AGENCY. Re: CREDITOR NAME, ACCOUNT NUMBER.
- YOUR NAME. YOUR STREET ADDRESS. YOUR CITY, STATE AND ZIP.
- DATE. ADDRESS OF CREDIT BUREAU/CREDITOR. Re: CREDITOR NAME, ACCOUNT NUMBER.
How do you write a dispute letter?
Your letter should identify each item you dispute, state the facts, explain why you dispute the information, and ask that the business that supplied the information take action to have it removed or corrected. You may want to enclose a copy of your report with the item(s) in question circled.
How do I write a letter to the credit bureau to remove old debt?
Write a letter to the credit bureau letting them know you’re disputing the information because it is outdated. Send your letter via certified mail with return receipt requested so you’ll have proof of the date the letter was sent and a signature from the person who received it.
How do I dispute a debt with the original creditor?
RIGHT TO DISPUTE THE DEBT: Within 30 DAYS of receiving notice of the debt from the debt collector, you can send a letter to the debt collector disputing the debt and requesting the name and contact information of the original creditor.
When to write a credit report dispute letter?
Documents showing that the company (if it is a debt collection agency) is authorized to collect the debt. You can write a credit dispute letter if you find any inaccurate information in your credit report and you want it corrected. The letter is usually sent to the credit bureau that sent the report. (Check our example above).
What happens when you file a dispute with a creditor?
If your creditor does not have accurate records pertaining to that debt, then the consumer reporting agency must remove the negative information on your credit report. The process usually follows these steps: File a dispute with the credit bureau. Await the results of the investigation.
When to send a 623 dispute letter to the original creditor?
When you send a 623 dispute letter to them, you must wait for the 30 days for the investigation to be complete. If the original creditor verifies that the negative listing is accurate with the credit bureaus, then you move forward with the next step which is to dispute directly with the original creditor itself.
How to get credit bureau dispute letter expunged?
Let me go over how to remove these: Recent late payments: For recent late payments within the last 2 years or on open accounts, the only way to get these expunged is by utilizing the direct creditor dispute method. For older late payments, the credit bureau dispute letter would work
