How to dispute account status with the credit bureauUnder the Fair Credit Reporting Act, credit bureaus should correct any inaccurate detail within a period of 30 days. So, if you find an inaccurate account status on your credit report, you can get it corrected by sending in a letter to the credit bureau. Here's a sample letter to dispute your account status. Letter to dispute account status Your Name
Your Address Your SSN
Credit Bureau's Name
Credit Bureau's Address
Date Dear Sir/Madam, Re: List of creditors and Account numbers of each I am writing to dispute inaccurate account status on my credit report. The above referred accounts are listed as "bankruptcy" whereas they should have been shown in the credit report as "charge-off", "past due" and "delinquent" respectively. Such incorrect listing have lowered my credit score and prevented me from buying a home of my own. I have attached a copy of my bankruptcy discharge order as proof. Please take a note of the dates and update the account status at the earliest. Yours sincerely, Your Signature Your Name |
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