Dispute letter
Credit scores & reportsA written request asking a lender or agency to correct credit report errors.
Overview
It should explain the issue and include evidence.
It is often used to start the dispute process.
Why it matters
- It creates a clear record of your request.
- It can speed up dispute handling.
- It supports accurate reporting.
FAQs
Who should I send the letter to?
You can send it to the lender and the credit agency.
Do I need evidence?
Yes. Evidence improves the chance of a correction.
Related terms
Take control of your credit health
Get the complete credit toolkit — all features included.
Start building creditInstant setup. No credit check. Cancel anytime.