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The letters that fix things.

A credit-report dispute and a debt-validation request are the two most useful letters in personal finance, and companies count on people not knowing how to write them. Fill in the blanks, copy or download, send by certified mail.

Send to a credit bureau (Equifax, Experian, or TransUnion) to challenge an error on your report. They must investigate, usually within 30 days.

Your name

Street address

City, state, ZIP

Credit bureau name

Their mailing address

Account / reference number

The item you're disputing

Why it's wrong

Nothing you type here leaves your browser. Print and send by certified mail with a return receipt, and keep a copy.

Your letter



August 8, 2026



Re: Account in question

To whom it may concern:

I am writing to dispute the following information on my credit report:

[describe the item: account name, number, and what appears on the report]

This item is inaccurate. [explain briefly why it is wrong]

Under the Fair Credit Reporting Act, I request that you investigate this item and correct or delete it. Please send me written confirmation of the results of your investigation, along with a free updated copy of my credit report if any change is made.

I have enclosed copies (not originals) of documents supporting my dispute.

Sincerely,

[your name]

Enclosures: [list any documents you're including]

How the process works, step by step: Disputing an Error on Your Credit Report and Your Rights When a Debt Collector Calls.