Request to Correct Credit Report
Once you have your credit report in your possession, and you determine that there is one or more errors, you can use this form to request that the erroneous entries be investigated and corrected. You need to complete a separate form for each reporting agency with which you want to correspond.
Errors that are commonly disputed are balances on accounts, negative information (such as late payments) being erroneously put on the credit report and accounts not belonging to you appearing on your credit report.
Click here for completed sample request to correct one error on a Trans Union credit report. The error listing is not how it would appear on a credit report. The only purpose of this example is so you can see how the letter lays out and where the information you fill in would go. The requests from Experian and Equifax look very similar to the Trans Union example. Bolded items are examples of fields that are completed by the user and the script.
The program will automatically address the letter to the selected credit reporting agency. If you are writing from Canada, the Canadian addresses for the selected credit reporting agency will appear on the letter.
This is not a substitute for legal advice and it is suggested that an attorney be consulted.