Credit dispute letter...Do I have to send a letter with a copy of my credit report for each item to dispute?

Question

I'm currently disputing a few negativie items on my credit report. My question is this: Do i have to send one letter for "each" negative item dispute along with a copy of my credit report, even if I disputing the items with the same credit bureau? Because if that is the case, I would have to print alot since credit reports contains many pages. Or, can I just simply "list" all the negative items that I'm disputing, in one letter with one copy of my credit report (with highlighted dispute items)?

Answer 1

You can send all of your disputes on one letter to each bureau. You can include a copy of your report, but you do not need to send a copy. However, if you do not include a copy just be sure to include the reference number that was found on the report. Then in the letter you need to specify the account number/name, and why you think it is wrong.

Just remember that for each negative item you need to send the proof why you think it is wrong. This could be copies(never send originals) of the canceled checks, statements, or letters. Also make sure you send it certified with return receipt.

Here is a link to a sample dispute letter

Answer 2

Use the dispute letter available from the credit bureau (get carry of it from their web content) and enter account particular innovations. in case you in basic terms deliver a letter to dispute each little thing I doubt they are going to do it.

Answer 3

Where do I send my dispute letter ?

Answer 4

I believe that you do. I got Suze Orman's fico kit, and did what that told me to do. It costs around fifty dollars, but it is worth getting if you are serious about your money.

Answer 5

Is there a phone ## on your credit report???
Give them a call and see what they want you do do??