609 credit dispute letter template
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Are you tired of searching for free sample credit dispute letters only to end up reading a bunch of nonsense and not getting what you were after?  I was too! 

That’s why I created this free dispute letter template resource page. 

If you have time to send your own dispute letters, this page contains everything you need to do before sending a credit dispute letter, where to send it, and what to include in it.

I hope you have success with the free sample credit dispute letters below. For more information on the process, see this guide to how to submit a dispute letter.

Free Section 609 Credit Dispute Letters

All of these free sample template pdf letters are effective. Click on any one of them to open the PDF file, although we do ask for an email.

Feel free to copy and paste them or download them.

You may change them or use them exactly as they are written.

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609 Dispute Letter That Works!

We’ve tested over 15 dispute letters. Sign up below for instant access to our winning 609 dispute letter, plus free tips to help you boost your credit.


    If you write one that succeeds, please email it to us, and we may add it to our list.  Just like Rochelle did here:

    I used your template and I went up 44 points.  Thank you!

    Rochelle Cooper

    ⚠️ Please Read Before Using This Template!

    This template must be customized to fit your circumstances. You will see instructions for the information that you will need to insert. These instructions are indicated by ____ text.

    Be sure that you fill in all required information and delete the ____ text before you send the letter.

    Your letter will be less effective if our instructions are still visible!

    Insider Tips To Help In Your Dispute

    All section 609 credit dispute letters should be sent by certified mail to the credit bureau and the creditor or collection agency. It is a good idea to retain all documentation from certified mailings, correspondence, phone calls, and notes, throughout the entire process.

    💁 If you need help along the way, we recommend our Top Rated Credit Repair Companies.

    7 Most Common Errors Found In Credit Reports

    According to Cento Law, a firm specializing in consumer rights advocacy:

    The Consumer Financial Protection Bureau (CFPB) reports that 76 percent of consumers who filed complaints about credit reporting stated that they had incorrect information on their credit reports.

    Cento Law

    ☝️ When you review your credit report, be sure to check every single detail very carefully. If it is wrong, that can be grounds for you to dispute the record and have it removed.

    Common Errors Found On Your Credit Report: 

    Be sure to check (and double-check) the following.  

    1. Account Number
    2. Creditor Name
    3. Date Account Was Opened
    4. Date Account Was Charged Off
    5. Payment History
    6. Names On Account
    7. Balance

    If they’re not perfect, your letter will not work!

    What To Put In Your Dispute Letter 

    • The Date
    • Your Full Name
    • Address (street, city, state, zip)
    • Date of Birth
    • Credit Bureau Contact Information
    • Disputed Account Name
    • Disputed Account Number
    • Description of Error (be brief)
    • Any Supporting Documentation (payment records, bank statements, court documents, etc.) 
    • Tell the credit bureau precisely what you want them to do (investigate, remove the record, etc.) 
    • Include a copy of your credit report with the error identified
    • Include a copy of our driver’s license or other government issued ID
    • Include a copy of your utility bill or a bill with your name and address to serve as a second form of ID

    Something to keep in mind is that the credit bureaus keep good track of your disputes. Once you dispute the account it is much harder to dispute it again if your efforts fail. 

    Did You Know?

    48% of credit repair customers saw a 100 point or more credit score increase after 6 months*.
    U.S. Credit Repair Survey (Oct ’19)

    Best Credit Repair Companies

    *Respondents stayed with their credit repair company for 6 months or more.  

    Where to Send Your 609 Credit Dispute Letter

    All three credit bureaus have a process where you can file your credit dispute by mail. Here’s where to send your 609 credit dispute letter to all three credit bureaus:

    Equifax Dispute Address

    Equifax Mailing Address

    PO Box 7404256
    Atlanta, GA 30374-0256

    TransUnion Dispute Address

    TransUnion Mailing Address:

    PO Box 2000
    Chester, PA 19022-2000

    Experian Dispute Address

    Experian Mailing Address:

    PO Box 9701 
    Allen, TX 75013

    ❗️ Please be aware that with all disputes, there’s a chance for a temporary credit decrease.  Please see Mark’s article on how Equifax lowered his credit score by 72 points when he sent his dispute letters.  (It quickly increased 100 points)

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