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* City (where is the home located?
* Type of loan
* Have you owned a home in the last 3 years?
* Approximate Loan Amount
* How is your credit?
* Amount of down payment (if any)
* If buying, have you found a home yet?
* The home will be used for?
* Gross annual income
* Bankruptcy in the last 2 years?
* Your employment status
* Name
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Sample Dispute Letters

Remember. Keep them simple and to the point. The following are just examples, Change them to fit your needs for your dispute.

Lines in italics are simply to help you indentify lines that needs your personalized info.  Don't italicize them in your letter.

Letter to Dispute Information

[Experian, Equifax or TransUnion address]
[Date]
Attn.: Consumer Relations

Consumer Relations Dept.

I am requesting with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows:

[Creditor]
[Account number]
[Rating (e.g., curr was 30, charge off, 90 days, etc.)]
[Reason why it should be removed: i.e., not mine, never late, disputed before yet still remains, incorrect information like payment history, date opened or balance owed.]

I understand you are required to notify me of your investigation results within 30 days.

My contact information is as follows:

[Your name, not signed]
DOB: [Date of birth]
SSN: [Social Security number]
[Address]
Sincerely,
[Your name, signed]



Another Dispute Letter to Credit Bureau

Provide any proof you have with this dispute.
[Your Name]
[Your Address]
[Experian, Equifax or TransUnion address]
[Date]

To whom it may concern:

In reviewing my credit report, I realized there are several inaccurate listings. These accounts are incorrect and several are outdated. The following accounts need to be investigated immediately to reflect my true credit history:

Acct: [-xxxx-xxx:]

This account is listed as being 60 days late. I have never been late on this account.

Acct: [-xxxx-xxx:]

This account is listed as being 30 days late. This account does not belong to me.

Acct: [-xxxx-xxx:]

This account is listed as being 60 days late. The creditor lost my check and agreed to correct the late notation. (Enclosed is a copy of their letter stating such).

Additionally, you are reporting several other accounts as delinquent that are past the seven-year reporting time as allowed under the Fair Credit Reporting Act. The following accounts should be deleted immediately:

Acct: [-xxx:] over seven years old

Acct: [-xxx:] over eight years old

Acct: [-xxx:] over seven years and four months old

Please forward an updated copy to me at your earliest convenience with the above noted corrections. My current address is listed above.

Sincerely,

[Your signature]

[Your printed name]
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