In addition to providing your complete name and address, your letter should clearly identify each credit item in your credit report you dispute, state the facts and explain why you dispute the information, and request deletion or correction. You may want to enclose a copy of your credit report with the credit items in dispute circled. Send your credit dispute letter by certified mail, return receipt requested, so you can document what the Credit Reporting Agencies received. Keep copies of your credit dispute letter and enclosures. In addition to writing to the credit bureaus, you should tell the creditor or other information provider in writing that you dispute a credit item.
Many creditors specify an address for credit disputes.
If the creditor continues to report the disputed credit item to any Credit Reporting Agencies after receiving your notice, it must include a notice that you dispute the item. If you are correct that is, if the credit information is not accurate the creditor may not report it again. Copyright E.Q. Marketing International . . . . . . . . . . . . . .