How To Write A Dispute Letter To Remove Collections From Your Credit Report

April 10, 2023

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Having collections on your credit report sinks your score — sometimes by as much as 100 points! Not good. However, 20% of people have errors on their credit report, they aren't even aware of. Luckily, you can have mistakes removed by disputing them. Writing a dispute letter is one way, but it's easier w/help from a pro like Credit Glory.

What is a dispute letter (& how does it help)?

Disputing inaccurate collections on your credit report isn't an easy task — but writing a dispute letter helps. Dispute letters identify mistakes and make a case to credit bureaus for removing the marks. Writing a strong dispute letter means finding errors, gathering evidence, and waiting for the results of the investigation. It can be a long (& challenging) process, but it's important. Why?

Because late payments make up 35% of your score, having inaccurate collections on your credit report does serious damage. It may drop your score by as much as 100 points! However, 1 in 5 people has inaccurate items on their credit report, hurting their score. Writing a dispute letter is one way to fix your credit. Working w/a credit repair pro, like Credit Glory, is often an easier alternative.

Common errors to look for

While you can't dispute verified debts, you can dispute errors on your report. Finding inaccuracies can be tricky, so what do you look for? Common areas to check for mistakes include:

  • Personal information
  • Inaccuracies w/account status
  • Fraudulent accounts
  • Balance errors
  • Data mistakes

So what should you include in a dispute letter?

What you need in your dispute letter

If your letter doesn't make a strong case or is missing information, it may not work. When writing a dispute letter, be sure to include:

  • Basic Info - This includes your name, contact info, & account details.
  • Proof of ID - Part of the dispute process is confirming your identity and showing why the mark is not yours. Your letter should also have your full name, DOB, SSN, current mailing address, & relevant items identified.
  • Specific references & language - Be sure to reference specific evidence when making your case. You can cite sections of the Fair Credit Reporting Act and each portion is separated by different letters and numbers.
  • A strong CTA - Clearly state what you want your letter to do (verify info or remove errors) & the time frame for when you expect results. Don't be afraid to use language that reinforces the importance of the situation.

Writing a letter and disputing errors is a long (& tough) process — but it can be done. If you are looking for an easier way to find and dispute mistakes on your credit report, team up with a pro like Credit Glory.

Why repair your credit w/Credit Glory vs DIY?

Removing negative items helps get your financial life back on track. DIY credit repair is a headache. Partnering w/Credit Glory is often a simpler alternative. Why?

  • Easier - Making a mistake disputing DIY costs you. Credit Glory helps you build a strong case for disputing inaccurate collections
  • Saves you money - An unsuccessful dispute leaves you stuck with debt (& poor credit). Credit Glory helps you remove inaccurate items from your credit report, which can mean saving money on loans (& interest rates).
  • Top-class customer support - Credit Glory has best-in-class customer service to answer questions and keep you updated. Credit Glory even offers an industry-leading 100% money-back guarantee (if no errors are removed in the first 100 days).

Dispute errors w/help from Credit Glory

Disputing negative items on your credit report is hard work! It takes a lot of time, effort, organization, and follow up. The good news? Our team of credit repair professionals is here to simplify everything! Let your dedicated credit repair expert relieve you of the stress, hassle, and time needed to fight your inaccuracies.

Credit Glory is a credit repair company that empowers consumers with the opportunity and knowledge to reach their financial dreams in 2023 and beyond.

Call us at (855) 938-3044 or set up a consultation to get started, today!

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