Credit Report Dispute Letter Builder

Make a free, ready-to-mail dispute letter for Equifax, Experian or TransUnion, including an identity theft block request. Nothing you type is sent to us or saved.

What kind of letter?

Dispute an errorWrong balances, late payments, accounts that aren't yours, old debtsIdentity theft blockYou have an Identity Theft Report and want fraud accounts blocked

Which credit bureau?

EquifaxExperianTransUnion

Make one letter for each bureau that shows the error.

Your full name

Street address

City, state, ZIP

Date of birth (optional)

Items you're disputing

Company name as shown on the report

Last 4 of the account number (optional)

What's wrong

Explain in a sentence (optional)

This is a free educational tool, not a legal opinion. This website provides general information, not legal advice. Laws change and every situation is different. Talk to a licensed attorney in your state about your specific facts.