DIY Credit Repair Form Letters

DIRECTIONS:
1) Copy each letter into a word processor.
2) Replace bracketed information with your info.
3) Print each letter and credit report (from www.annualcreditreport.com)
4) Mail each bureau their letter and credit report.

—EQUIFAX FORM LETTER—

[Your Name]
[Your Address]
[Your City, State, Zip Code]

[Date]

Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30348

Dear Sir or Madam:

I do not recognize the following items in my credit report and I am contesting their validity:

    [List each negative mark separately on its own line and circle each negative mark separately in your credit report.]

I have circled the items I dispute on the attached copy of the report I received. Please investigate this matter and delete these items from my report as soon as possible.

Thank you very much.

Respectfully,

[Your name]

Enclosures: Credit Report

—EXPERIAN FORM LETTER—

[Your Name]
[Your Address]
[Your City, State, Zip Code]

[Date]

National Consumer Assistance Center
Experian
P.O. Box 4500
Allen, TX 75013

Dear Sir or Madam:

I do not recognize the following items in my credit report and I am contesting their validity:

    [List each negative mark separately on its own line and circle each negative mark separately in your credit report.]

I have circled the items I dispute on the attached copy of the report I received. Please investigate this matter and delete these items from my report as soon as possible.

Thank you very much.

Respectfully,

[Your name]

Enclosures: Credit Report

—TRANSUNION FORM LETTER—

[Your Name]
[Your Address]
[Your City, State, Zip Code]

[Date]

TransUnion LLC
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016

Dear Sir or Madam:

I do not recognize the following items in my credit report and I am contesting their validity:

    [List each negative mark separately on its own line and circle each negative mark separately in your credit report.]

I have circled the items I dispute on the attached copy of the report I received. Please investigate this matter and delete these items from my report as soon as possible.

Thank you very much.

Respectfully,

[Your name]

Enclosures: Credit Report