Universal dispute form Experian Equifax Trans Union.

Instructions on back
Full name: Last__________________ First ________________Middle _______
Current Address__________________________________________________________
Former Address_________________________________________________________
Social Security #________________________
Phone__________________________
Date of Birth___________________________
Employer_____________________________

Credit Report Dispute / Account Information Dispute Section

Company Name__________________________
Account #__________________________
__ Not my account __ Was never late __Account paid in full
__ Current status incorrect __ Other __Dispute
Explanation______________________________________________________________

Company Name__________________________
Account #__________________________
__ Not my account __ Was never late __Account paid in full
__ Current status incorrect __ Other __Dispute
Explanation______________________________________________________________

Company Name__________________________
$FFRXQW#__________________________
__ Not my account __ Was never late __Account paid in full
__ Current status incorrect __ Other __Dispute
Explanation______________________________________________________________

Courthouse or Collection Agency accounts:

Courthouse or Collections
agency_______________________________________________
Case number for courthouse records
only_________________________________________
__ Not Mine (explain) __ Satisfied __ Released __ Dismissed
__ Discharged __ Collection was paid __ Other (explain)
Explanation______________________________________________________________

I certify that all information above is true and factual.

Signature____________________________________________date_________________

Trans Union Equifax Experian

P.O. Box 1000 P.O. Box 740241 P.O. Box 2104
Chester, PA 19022 Atlanta, GA 30374-0241 Allen, TX 75013-2104
1-800-888-4213 1-800-997-2493 1-888-397-3742
Correcting Errors
Under the FCRA, both the CRA and the organization that provided the information to the CRA, such as a
bank or credit card company, have responsibilities for correcting inaccurate or incomplete information in
my report. To protect all my rights under the law, contact both the CRA and the information provider.

First, tell the CRA in writing what information I believe is inaccurate. Include copies (NOT originals) of
documents that support m position. In addition to providing m complete name and address, my letter should
clearly identify each item in my report I dispute, I state the facts and explain why I dispute the information,
and request deletion or correction. I may want to enclose a copy of my report with the items in question
circled. I send my letter by certified mail, return receipt requested, so I can document what the CRA
received. Keep copies of m dispute letter and enclosures.

CRAs must reinvestigate the items in question--usually within 30 days--unless they consider my dispute
frivolous. They also must forward all relevant data I provide about the dispute to the information provider.
After the information provider receives notice of a dispute from the CRA, it must investigate, review all
relevant information provided by the CRA, and report the results to the CRA. If the information provider
finds the disputed information to be inaccurate, it must notify all nationwide CRAs so they can correct this
information in my file.
Disputed information that cannot be verified must be deleted from my file and never replaced.

 If my report contains erroneous information, the CRA must correct it.

 If an item is incomplete, the CRA must complete it. For example, if my file showed that I was
were late making payments, but failed to show that I am no longer delinquent; the CRA must
show that I'm current.
 If my file shows an account that belongs only to another person, the CRA must delete it.

When the reinvestigation is complete, the CRA must give me the written results and a free copy of my
report if the dispute results in a change. If an item is changed or removed, the CRA cannot put the disputed
information back in my file unless the information provider verifies its accuracy and completeness, and the
CRA gives me a written notice that includes the name, address, and phone number of the provider.

If you think you have a chance to work with a creditor to get information changed then, contact the creditor
before you use this form. Call or write the creditor and make arrangements to pay off in full or re-open and
account with agreement to eliminate bad marks after 24 months elapse. Most credit card companies only
report the previous 24 months and most collection agencies will remove entries if you pay them off in full
including fees. Expect car loans, home loans, utilities and matters of law to very difficult if not impossible
to get changes made. Most of the accounts take 7 – 10 years to fall off by law.

Print and mail the dispute form for accounts were you find them hard to find yourself. Many times a credit
has moved or been sold or even gone out of business. These accounts should fall right of because the
bureaus will not get a response in less than 30 days. So the longer it takes for the bureaus to respond the
better your chances are the account will be deleted.

Make your dispute for simple by breaking up large groups of dispute into groups of 4 or less. More than 4
disputes per form can sometimes be kicked out as frivolous. ie. If you dispute EVRYTHING on your report
that must be frivolous unless you suspect fraud or merging.

Include very detailed personal information such as a copy of your drivers license, social security card,
phone bill, insurance, card, birth certificate on matters of fraud, merged files, or and even reporting person
is deceased when person is clearly alive.

Include only basic personal information when disputing unfamiliar or old accounts hoping for a mistake by
a creditor or bureau that would delete the account entry.

Use the dispute form to make sure all your accounts that were included in a bankruptcy showed included in
bankruptcy and a 0 balance owed. Bankruptcies do not remove accounts but they the accounts should show
included in Bk and 0 balance owed.

If you are married and your spouse has the same data you have disputed make sure you do another dispute
form letter for your spouse