Credit Dispute Letter Generator | That.You Credit Tools

Letter Type

Your Information

Full Name *

Address *

City *

State *

ZIP Code *

Date of Birth *

SSN (Last 4 Digits) *

Dispute Details

Credit Bureau *

Creditor/Account Name *

Account Number (Last 4 Digits)

Dispute Reason *

Bureau Addresses

Equifax

P.O. Box 740256
Atlanta, GA 30374

Experian

P.O. Box 4500
Allen, TX 75013

TransUnion

P.O. Box 2000
Chester, PA 19016

Dispute Tips

Be specific about the error
Include supporting documentation
Send via certified mail
Keep copies of everything
Follow up after 30 days
Dispute with all three bureaus if needed

Your Rights

Under the Fair Credit Reporting Act (FCRA):

Bureaus must investigate within 30 days
Unverified items must be removed
You can dispute for free
Corrected reports are sent to you free
Negative items removed if inaccurate

Important Notice

This tool generates sample letters. Always review and customize the content before sending. Do not dispute accurate information, as this violates federal law.