Dispute Your Credit Report - CREDIT REPORT

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TODAY'S SAVING TIP  Yes. If negative information resulted from circumstances beyond your control, you should provide a short and to-the-point explanation. Your explanation might include reasons such as fraud, major illnesses or injuries, divorce or errors resulting ... Read more
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CREDIT REPORT: Dispute your credit report


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

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