So I spent like 12 hours this week writing dispute letters for all of the inquiries on my report. I downloaded the letter from my bank's website but I know a lot of people don't really know how to do this so I will cut and paste the "Dummy" letter here. I'm pretty sure you can use it for other things besides inquiries.
08/02/2009
Your Name
Home Address
City State, Zip
Social Security #
Complaint Department
Equifax
P.O. Box 740241
Atlanta, GA 30374
Dear Equifax,
I am writing to dispute the following information in my file.
(Identify Disputed Item(s) Here. List name of Source, such as creditors or Tax Court, and identify type of item, such as credit account of judgement, etc.)
The items I dispute are also circled in the attached copy of the file I received. This item is n(INACCURATE or INCOMPLETE) because ( EXPLAIN WHY IT IS INACCURATE)
I am requesting that this item be deleted (or REQUEST ANOTHER SPECIFIC CHANGE) to correct the information.
Enclosed are copies of (USE ONLY IF YOU HAVE DOCUMENTATION) Supporting my claim.
Please reinvestigate this (These) matters(s) and (Delete or Correct) the disputed item(s) as soon as possible.
Sincerely,
Sig.
Printed Name
Your Social Security Number
Enclosures: (List what you are enclosing)
