When you find an incorrect entry that you would like to resolve with the credit bureau via snail mail. You want to send a basic letter stating your intentions. Here is an example to keep it started. Don't add extra explanations or information that is not needed!
SAMPLE DISPUTE LETTER:
YOUR FULL NAME HERE
YOUR COMPLETE ADDRESS (don't forget to include a copy of a utility bill for proof of address)
YOUR SOCIAL SECURITY NUMBER
YOUR DATE OF BIRTH
DATE OF LETTER
PHONE NUMBER WITH AREA CODE (if possible)
Attention Credit Bureau Personnel:
In viewing my credit file, I recently discovered information incorrectly reported. The items are as follows:
(Example ONLY... Your specific information will be in place of this section.)
Sears 012345678 $410 - this account has never been late!
Wal-Mart Credit Card 012345678 - this is not my account!
Mercantile Collection 01234567- this account has a 0 balance!
(Use this one after BK-no need to mention the BK,
just the 0 balance!)
Thank You,
Your name signed!
Your name printed