Finally submit the application. Once you've filled out your credit card. And submitted it you mayMoreFinally submit the application. Once you've filled out your credit card. And submitted it you may get a response in nearly instantly. Or you might have to wait a couple of weeks in some cases.
Your letter should clearly identify each item in your report you dispute, state the facts, explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your credit report with the items in question circled.