How to send an effective creditor dispute letter

(will improve your score)


In a letter of dispute you must enclose the following items :


  • A brief letter identifying the creditor and the debt you are disputing and why include any supportive documents. Such as receipts or statements.

  • Copy of a Government ID: i.e. Drivers license / State Indemnification card / Military ID

  • Copy of current address and identification i.e.: recent utility bill, recent bank statement, insurance policy statement

  • Social Security number

  • Date of Birth

  • Current address

  • Previous address

  • Date your letter and if you can afford it send it "Recipt Requested"


    ONLY SEND COPIES BECAUSE THEY WILL NOT BE RETURNED


    Send copies of this information to each reporting credit agency. Repeat this process each week for about 5 weeks.


    The reporting credit agencies and their mailing addresses are listed below :


    Experian
    PO Box 2104
    Allen, TX, 75013


    Transunion Dispute
    PO Box 2000
    Chester, PA, 19022


    Equifax Credit
    PO Box 7402560
    Atlanta, GA, 30374



    • Copyright © 2007 Equity Your Money Tree.