A credit repair letter should include the name, address and Social Security number of the writer; a list of errors found in the credit report; the reasons for disputing the errors; and the signature of the writer, according to CreditRepair.com. The items under dispute should be clear, specific and supported by valid reasons.
A credit repair letter should identify every erroneous item in the writer's credit report and state the facts that make these items wrong, states the Federal Trade Commission. The writer should attach a copy of the credit report, circle the erroneous items and attach any documents that support his position. The letter should explicitly ask the credit reporting company to rectify or remove the items in dispute.
Issues to point out in credit repair letters include mistakes in personal information, account listings indicating inaccurate balances and payments, and negative items such as bankruptcies and liens. The letter should also dispute inquiries from unfamiliar companies since such inquiries may indicate fraud, notes Consolidated Credit. If the dispute is not frivolous, the credit reporting company reviews the disputed items and notifies the writer of the results. If the negative information in the writer's credit report is accurate, the credit reporting company cannot remove it until after seven years, or 10 years for bankruptcy, notes the Federal Trade Commission.