A credit repair letter is the first step if the credit report agencies do not report your current and accurate information.


You have the right to contact the consumer reporting company and the information provider if any incomplete, inaccurate, erroneous, misleading, outdated, or unverifiable information has been provided to a consumer reporting company by any person, company or organization.

The sample letter below is information to be used as a guide only and should not be considered legal advice.

You should seek competent legal aid in your State if needed.

Sample letter disputing an error in a credit report.


Experian, Inc.
P.O. Box 2002
Allen, TX 75013

TransUnion Corporation
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022

Equifax Information Service Center
P.O. Box 105873
Atlanta, GA 30348

Re: Credit Report Inaccuracies

To Whom It May Concern:

After reviewing my most recent credit report I've noticed it contains (erroneous, duplicate or outdated information) reported by your company.

You list (Spouse Name) as my spouse. We have separated and I am now legally divorced. (Spouse Name) should be removed from my credit report. (provide documents that substantiate this claim)

The following account was closed at my request, but is not listed accurately on my report: (creditor name, account#, evidence of closure)

The following account does not belong on my credit report: (creditor name, account #, reason why the account should be removed: belongs to another person,too old,...)

My personal data is inaccurate: (provide incorrect information and corrected information)

Maiden Name:
Social Security Number:
Birth Date:
Current Employer:
Previous Employer:
Years I have lived at my current address:
Previous addresses during the last five years:
Spouse's Name:

I am enclosing a copy of my credit report along with additional documentation that supports my request.

Please send an updated copy of your credit report after your company has corrected or deleted the inaccurate information described above.

I deeply appreciate your cooperation in this matter. If you have any questions please contact me at (your daytime phone number including area code).


(Your Name)
(Address - City, State and ZIP Code)
(Your phone number)

Here's another Sample Mortgage Hardship Letter

How to write a Hardship Letter

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DISCLAIMER: The law will vary depending on your state and the specifics of your case. The information provided by is intended for educational purposes only. All the content on this website should NOT be considered professional legal advice or a substitute for professional legal advice. For such services, we recommend getting a free initial consultation by a licensed Attorney in your State.

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