Dear [Credit Reporting Agency],
I am writing to dispute the negative items listed on my credit report. I believe that these items are inaccurate and I request that they be removed immediately.
According to the Fair Credit Reporting Act (FCRA), I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. As such, I am exercising my right to dispute the following items on my credit report:
[List the specific items that you are disputing]
I request that you investigate these items and provide me with documentation to support their accuracy. If you are unable to provide this documentation, I request that you remove these items from my credit report in accordance with the FCRA.
I have attached copies of my credit report and any supporting documentation to this letter for your review. I look forward to your prompt response and resolution of this matter.
Sincerely, [Your Name]
Get expert advice and a personalized plan for improving your credit with a free consultation from the Credit Fairy.