The following article contains a sample letter that may be used to dispute incorrect entries on your credit report.
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Date

Complaint Department
Name of Credit Reporting Agency
Address
City, State, Zip Code

Gentlemen:

I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received.

[Identify item or items disputed by name of source (such as creditors or tax court), and identify type of item (such as credit account, judgment, etc.)]

This item is [inaccurate or incomplete] because [describe what is inaccurate or incomplete and why]. I am requesting that [the item be deleted, or whatever other specific change you want] to correct the information.

[If applicable]: Enclosed are copies of [describe any enclosed documentation, such as payment records, court documents] supporting my position.

Please reinvestigate and [delete or correct] the disputed item(s) as soon as possible.

Sincerely,

[Signature]

Your Name
Your Address
Your City, State, Zip Code