Consumers can find a free credit dispute letter template on the Federal Trade Commission's website. Individuals using the letter should customize it with details about the information being disputed, explains the Federal Trade Commission. Some credit websites also offer free dispute letter templates, according to MyFICO.Continue Reading
In addition to listing the items being disputed, customers should include the reason for the dispute and copies of any documents that support the case. Consumers should also send letters by certified mail and retain copies of all correspondence, advises MyFICO. Alternatively, individuals can dispute items on their credit reports online through the credit bureau's website.
After receiving a dispute, credit reporting companies investigate the claim, explains the Federal Trade Commission. Based on the results of the investigation, they either correct the error, remove the item from the report or leave the item as it is. The crediting reporting companies provide consumers with results in writing and, if they change an item, a free, updated copy of the credit report.
Individuals can receive a free copy of their credit report every 12 months, notes the Federal Trade Commission. Free credit reports are also available after an individual has been denied credit, insurance or employment based on the report.Learn more about Credit & Lending