Dispute Letter Writer

An account appears on your report that you never opened. It could be identity theft or a mixed file.

Your report shows a late payment, but you have evidence the payment was made on time.

The balance, credit limit, or account status shown is wrong.

A negative item is still on your report after the legal reporting period.

You paid or settled a debt, but your report still shows it as unpaid or outstanding.

The same account or debt appears on your report more than once.

Your name, address, SSN, or other personal information is wrong on your report.

A hard inquiry appears on your report from a company you never applied to. Pulls without your authorization or another permissible purpose can be disputed.

Someone opened an account or created records in your name. A 605B block is built for confirmed identity theft, with a 4-business-day deadline instead of a 30-day investigation.

Send your dispute straight to the company reporting the wrong data. It has its own duty to investigate, and it is the natural next step after a bureau dispute comes back "verified".

A collection agency says you owe a debt. Before you pay or negotiate, make them prove the amount, the original creditor, and their right to collect.

You have an accurate late payment and want to ask the creditor to remove it as a courtesy. This is a request, not a dispute.

Offer a collection agency payment in exchange for deleting the account from all three bureau reports. This is a negotiation, not a dispute, and the deal must be in writing before you pay.