INITIAL DISPUTE LETTER TO CRA
You dispute accounts this way: ( Use the underlined sentence to replace the sentence above if the account is being reported by an OC ( original creditor)
Make sure you HAND ADDRESS the envelope,
DO NOT send it RR as this requires a signature at the PO, send it PRIORITY MAIL WITH PROOF OF DELIVERY only
NEW INITIAL DISPUTE LETTER
Use the attached form Dispute Form Print or write in your own handwriting with regular blue ball point.this
helps prevent the automated scanning/reading/response computer programs from "reading" your letter as they can not read handwriting.
Or here is the word version( use Lucinda handwriting 12 blue) Word Version Dispute Form
Credit Report Dispute Form For Multiple accounts
Word Version Credit Report Dispute Form For Multiple accounts
Make sure you attach a copy of the pages with the accounts circled from your credit reports.Note next to each account "circled".
Here is the suggested text to insert:
Please advise me as to the name and address of the original creditor, the name of the account holder,
and the reported date of first delinquency,as any account I might have had at one time would be obsolete.
Please advise me as to the correct name and current address of this creditor, the name of the account holder,
and the reported date of first delinquency,as any account I might have had at one time would be obsolete.
If you can obtain this information, I also would need the name of the
person providing this data, and the manner in which it was provided in order
that I may pursue
additional legal remedies.
Enclosures: (Circled account(s))
DO NOT send it certified as this requires a signature at the PO, send it PRIORITY MAIL with a tracking # only
Here are the addresses of the 3 CRAs
Experian Dispute Department PO Box 9701 Allen, Tx 75013Transunion PO Box 2000 Chester,Pa.19022, Equifax PO Box 740256 Atlanta, Ga. 30374