You should begin the dispute process by contacting the creditor responsible for the inaccuracy. You can find the contact information for each of your creditors at the end of your credit report.
You can also contact a TrueCredit Customer Service Representative to discuss the inaccuracy. Because TrueCredit is not a credit bureau, we cannot correct the inaccuracy for you; however, we are happy to discuss your credit report and answer any questions you may have.
To dispute inaccurate information directly with the credit bureaus, you must explain the inaccuracies in writing. Include copies of documents that support your position. You can also include a copy of your credit report, and mark the items in question.
In your letter, be sure to include:
- Your full name
- Your complete mailing address
- Your date of birth
- Your Social Security Number
- The name and account number of the creditor and item in question
- The reason for your disagreement with the disputed item—be specific
- Your signature