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Financial Literacy 2007 - Credit cards
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Write the credit agencies
By Bankrate.com

Instruction: Use this form letter to help you in disputing information on your credit report.

Billing errors

The law defines billing errors as any charge:

•For something you didn't buy or for a purchase made by someone not authorized to use your account.
•For something that is not properly identified on your bill or is for an amount different from the actual purchase price or was entered on a date different from the purchase date.
•For something that you did not accept on delivery or that was not delivered according to agreement.
•Errors in arithmetic.
•Failure to show a payment or other credit to your account.
•Failure to mail the bill to your current address, if you told the creditor about an address change at least 20 days before the end of the billing period.
•Questionable items, or any item for which you need more information.

Personalize the letter below by entering your specifics in the areas in red. You can print out this Web page and make your changes by hand or copy the body of the letter and paste it into a document where you can make your changes on your PC.

If you prefer to see a PDF version of the letter, click here.

As an alternative, TransUnion offers a downloadable form for you to fill and send out, in order to initiate an investigation with them.

The addresses set up to receive disputes should appear on your credit report or you may use the ones below. Alternatively, you could initiate the dispute online.

•TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19022-2000
•Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374
•Experian
National Consumer Assistance Center
P.O. Box 2002
Allen, TX 75013
 

 

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