This form is to be used when a collection company is demanding full payment from you and you disagree with the balance. Use this form as your first letter of dispute.
This form is to be used when a collection company is demanding full payment from you and you disagree with the balance. Use this form as your first letter of dispute.
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Information to include in your dispute letter Full name. Date of birth. Current address. Driver's license number. Social Security number (optional). The account number of the tradeline you're disputing (e.g., account number found on your utility bill, student loan bill or mortgage statement).
Your letter should identify each item you dispute, state the facts, explain why you dispute the information, and ask that the business that supplied the information take action to have it removed or corrected. You may want to enclose a copy of your report with the item(s) in question circled.
A 604 dispute letter can be a great way to improve your credit score by removing errors from your credit report. However, it is important to note that the process does come with some limitations. For example, the credit bureau may verify any disputed debts as accurate, meaning you cannot remove them from your report.
I am writing to dispute a charge of [$______] to my [credit or debit card] account on [date of the charge]. The charge is in error because [explain the problem briefly. For example, the items weren't delivered, I was overcharged, I returned the items, I did not buy the items, etc.].
Don't make the credit bureaus guess. Finding information in your credit reports can be difficult. It helps to mark the inaccurate items and include a copy with your credit report dispute letter. Be sure to sign the letter and include your address, Social Security number, and date of birth with your dispute.