Credit Repair Dispute Letters | Free Dispute Letter Template



How to create Credit Repair Dispute Letters – Free Dispute Letter Template

Are you trying to do some Credit Repair and need help learning about Credit Repair Dispute Letters? This video will help you learn the basics of dispute letters and we will even include a free credit dispute letter template. But, we need you to be cautious and follow the steps to ensure that these letters are effective for you.

1. You will need a current 3-bureau credit report with partial account numbers listed:
A. Our Recommendation: ($1 trial report)

B. Second best:($1 trial report)
C. PrivacyGuard.com

You have the legal right to obtain a free credit report through AnnualCreditReport. We will explain in the video why we don’t recommend you use Annual Credit Report or Credit Karma for this process. AnnualCreditReport has you waive your right to have your dispute done in 30 days, so it can actually hurt your results. CreditKarma doesn’t show your account numbers, so that won’t work.

2. Obtain your free credit repair dispute letter template here:

3. Prepare your Identification Documents & Dispute Letter Attachments: You MUST attach 2-3 forms of ID – One must match the address on your dispute letter.

The best 2 forms of ID are your Drivers License (as long as the address matches) and your social security card. If your address doesn’t match, you will need to include a pic of a recent utility bill along with your 2 forms of ID so the credit bureaus can confirm your identity.

4. Send your credit repair dispute letter by certified mail with a return receipt. One letter to each credit bureau. You will need to go to the post office to complete this step. Each letter will cost $6-9 to send.

Credit Bureau Addresses:

Equifax Dispute Address:
Equifax
PO Box 740241
Atlanta, GA 30374

Experian Dispute Address:
Experian
PO Box 4500
Allen, TX 75013

Transunion Dispute Address:
Transunion
PO Box 1000
Chester, PA 19016

YOU NEED A CREDIT REPORT FROM ALL 3 BUREAUS WITH ACCOUNT NUMBERS – HTTP://FREE3SCORES.COM ($1 trial)

DO NOT USE CREDIT KARMA
DO NOT USE ANNUAL CREDIT REPORT
DO NOT HANDWRITE LETTERS
DO NOT DISPUTE ONLINE
DO NOT DISPUTE ON THE PHONE
DO NOT USE TEMPLATE LETTERS
DO NOT DO SECTION 609 DISPUTES
DO NOT LIE
DO NOT USE CPN
DO NOT COMMIT FRAUD
DO NOT SAY “NOT MINE”

If you have questions or would rather have us help you with your credit, please don’t hesitate to reach out! Our Advice is always free.

Jesse@CreditCEO.com

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39 Responses

  1. Pretty Bird says:

    Can you please do a video on how to remove fraudulent accounts? I have received documentation from Experian stating that my information was verified therefore will not be removed. Well obviously it’s verified because they stole my information and it matches with mine.I sent in the police report and all ID and documentation tried to contact the creditor which is a Affirm Inc. and they have no record of an account in my name. I Affirm a certified letter with no response. Signature is illegible Now I’m attempting to send a letter to a firm directly via FedEx. This is a nightmare.

  2. Johnnie Johnson says:

    I am new to this ….but it help me a lot to understand credit better.. Looking forward to more teaching

  3. kafer310 says:

    Great vid, not too long and very informative!

  4. Shel D'Eezee says:

    FCRA § 609. Disclosures to consumers [15 U.S.C. § 1681g].

  5. Shel D'Eezee says:

    Challenge them morally & ethically? Who died and made the bureaus king? I still fail to understand why people treat the credit bureaus like they are the government or something. These are private companies that make millions stockpiling your "worth" as middlemen between you and potential creditors. We're good people and don't have to bow to the bureaus telling us that our missteps have to be public and progress retardant for 7 to 10 years. Who are they to control our creditworthiness? Who are they to make the rules and judge? Please. Them and the IRS, another private company—not the government. Liked your mike, though.

  6. selena clark says:

    How do I update my address and personal information on my credit report? Do I just write a letter?

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  8. Kon says:

    I will using your letter, and modifying it for my personal use. I’ve been fighting to get things off my credit for years, and I’m hoping this works. It’s been a struggle with a paper trail, and not knowing what companies are reporting until I saw this video.

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  10. Martin Araujo says:

    How can i contact you im trying to rebuilt my credit

  11. john doh says:

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  13. Trill TV Entertainment says:

    How do you find account numbers? And the ones I find do do they have to have the whole number or will it include Xs? Do I need to certify each letter?

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  15. TripleToeSloth says:

    This website for checking the credit doesn't seem to exist anymore..

  16. Cj Carson says:

    I have tried to dispute a charge off before and was told that it was verified, what would be my next step.

  17. Belle Lyster says:

    I finally found a video I can patiently watch. You are direct to the point and tackle the problem head on. I need this and will be doing exactly as you mentioned. I will let you know as soon as I get this going. Thank you very much for this information. I truly appreciate the effort you put in this videos. Thanks again.

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  21. Chris Dawkins says:

    Good information. This is my first time looking at repairing credit. I've very seldom used credit so, I only have two companies that are "killing" me.

    Earlier today I downloaded Experian's App. I started to dispute online but, I didn't.

    I had a repo but, my neighbor bought the car (from a lot) so, I see my old car everyday! Although the finance company didn't get my money as promised, they didn't lose any money. (Don't know if that makes a difference or not)

    I have a credit building credit card and they cancelled the card because the PO sent their bill back to them. So, now I'm ready to "fly right" but, I can't because I have these negative reports.

  22. Chauncey Moss says:

    I may need your company for assistance

  23. Chauncey Moss says:

    I’ve already did about 4 or 5 of the not to do lol knowing what to do and how to do it is the most effective way to do all things.

  24. Chauncey Moss says:

    Hello sir, in my opinion you are most honest person I’ve listened to after months of research on how to handle my situation. Honest goes a long way.

  25. Francisco Rodriguez says:

    What is a CPN?

  26. James Torres says:

    Could I use the title of my vehicle as a 3rd form of ID to verify my Name and Address if I don’t have a utility bill

  27. Satira Wideman says:

    I tried it and it came back verified

  28. Emmanuel Dotson says:

    You are kool smart and informative i get you care thanks

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  31. royland walker says:

    I made that mistake of saying that it's not mine so is it too late to do it right

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    Can't find letter template on site.

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  37. Rico Jones says:

    Hello I had a car loan on my acct that was fraud I disputed it last yr and noticed that it was removed from one credit company and not the other two. Can you help me with what I need to do need

  38. Julie Ruggles says:

    Great video. I have a question for you. Something strange is happening with my credit reports. All 3 bureaus started taking unauthorized actions such as investigating all my accounts when I never disputed any of them right after I was a victim of fraud. Then, they put remarks on all my accounts stating I "disagreed with the results"..? They also keep reporting inaccurate information they insist came from my creditors, which my creditors deny sending. It's like someone else is controlling my credit! It doesn't fit the usual description of a "mixed file" or "Identity Theft" . But it must be a type of fraud. Have you ever heard of this happening? If so, what is causing it?

  39. Sherri Burns says:

    Thank you for the break down. I am attempting this journey to repair my credit and this video is exactly what I was looking for

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