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Credit report dispute letter

Dispute an entry on your credit file: the item, why it is wrong, and the correction you want. Free, no sign-up, generated in your browser.

A credit reference agency has to look into a disputed entry. Identify the item exactly, say why it is wrong, and ask for it to be corrected or removed — the letter states the deadline by which the agency must reply.

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Choose the law that applies before you fill this in: the two regimes share almost nothing. In the United States the agency must reinvestigate within 30 days, you should dispute with the furnisher as well or the entry reappears at the next update, and identity theft has its own four-business-day block. In the United Kingdom the agency has 28 days, it raises the dispute with the lender for you, and the fallback is a notice of correction of up to 200 words — but each agency holds its own file, so write to every one that shows the entry.

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A credit reference agency has to look into a disputed entry. Identify the item exactly, say why it is wrong, and ask for it to be corrected or removed — the letter states the deadline by which the agency must reply.

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Frequently asked questions

Do I have to write to the lender as well as the agency?

In the United States, yes: dispute with the consumer reporting agency, which must forward the dispute to the furnisher, and write to the furnisher too, or the entry can reappear at the next monthly update. In the United Kingdom the agency raises the dispute with the lender for you, but each agency holds its own file and they do not correct one another, so send the same letter to every agency showing the entry.

Is this document free?

Yes. The Credit report dispute letter generator is completely free, with no account, no watermark and no limit on how many you create.

Is my data sent anywhere?

No. The form is turned into a PDF inside your browser — your details never leave your device and nothing is stored.

Can I edit the document afterwards?

Yes. Download the PDF, or open it straight in the editor to adjust the wording, add a logo or sign it by hand.

Are my details remembered?

Your own name, address and contact details are saved in your browser only, so the next document is almost filled in already. Clearing your browser data removes them.