Sample 623 Dispute Letter
An incorrect entry on your credit report can adversely affect your credit score and history. If you filed a dispute for an incorrect entry on your credit report and the bureau rejected it, the is a viable alternative. This method allows you to file a dispute directly with the original creditor. DoNotPay can help you write a 623 dispute letter in a few minutes.
The 623 dispute method comes from Section 623 of the Fair Credit Reporting Act, which allows you to dispute debt directly with your lender as long as you've already filed a complaint with your credit bureau and finalized the process. You then to the original creditor to ask for an investigation into the accuracy of the records on your debt. If the lender doesn't have accurate records of your debt, they are required to remove any negative information on your report.
What Should I Look For in My Dispute?
Your should include the following items:
- Personal information (your name, Social Security Number)
- Account information
- Hard or soft inquiries
- The item you're disputing
- Why you're fighting it
- Directions for the business that supplied the information to remove or correct it
How to Write a 623 Dispute Letter
Before writing a letter, you have to have gone through the credit bureau first. Otherwise, you won't be eligible for a 623 resolution. Here's a 623-dispute letter sample to refer to:
Subject: Disputing Information in Credit Report
I am writing to inform you that I am disputing the following information your organization gave (enter the name of the credit bureau). I have highlighted the items I would like to dispute on the attached copy of my report.
This item (mention the incorrect entry and the account number) is inaccurate because (detail why you think the information is wrong). I am therefore requesting that (enter the company's name) have this item removed (or changed).
(Add description of other items you would like to dispute if any).
You can find attached copies of my credit report (and other documents such as records of payments you've ever made) upholding my request. Please look into this matter and contact the credit bureau to have them delete (or make changes to) the disputed item(s) immediately. All correspondence should be brought to my attention at the above address.
How to Dispute Your Credit Information
Before writing your 623 dispute letter, here are ways to dispute your credit report information. Every credit bureau offers different processes for disputing reports, but here are the three universal methods:
|Get access to your bureau's credit report online and initiate a dispute. Most bureaus don't charge you for this service.
|To dispute your credit information, you need to call the number displayed on your credit report.
|If you don't have a copy of your credit report, you can write to your bureau and send it by physical or electronic mail.
Sue for an Unresolved Credit Dispute
While filling a dispute with your bureau is an ideal avenue to getting the information corrected or deleted, it's not always a guarantee that it will work. The bureau might be unwilling to budge or may deem the information correct. Writing a 623 dispute letter helps with the situation, but you can also contact the following agencies:
- The state's attorney general
- The Consumer Financial Protection Bureau
- The Federal Trade Commission
It's important to note that these organizations can't force the bureau to honor your request. However, their involvement may expedite your case. You can also sue for an unresolved credit dispute under the Fair Credit Reporting Act. In 2013, Equifax had to pay $18.4 million to a woman in Oregon who took the bureau to court for failing to correct her credit report despite receiving eight disputes in two years.
How to Clean Your Credit Report on Your Own
To clean your credit report, you can try any of these methods:
- Write a 623 dispute letter to the original lender.
- Get help from a credit repair company.
While you may find the above approaches helpful, the process can be tedious and frustrating, which is why having a service like DoNotPay in your corner comes in handy.
How Can DoNotPay Help?
Is an inquiry or incorrect entry on your credit report hurt your score? Do you want to write a but don't know where to start? DoNotPay can help.
- Search Clean Credit Report on DoNotPay.
- Prepare a recent copy of your credit report that you can use as reference.
- Let us guide you through the 4 potential options:
- If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.
- If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.
- If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report and they can't collect it!
- Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.
DoNotPay Works Across All Entities
Helping you come up with a 623 dispute letter is one of our many credit-related services. We can also help you:
- Draft a debt validation letter
- Write a credit dispute letter
- Fix your credit score
- Remove late payments from your report
- How to improve credit scores
- How dispute credit reports
- Remove collections from the credit report.
- How to remove inquiries from the credit report.
What Else Can DoNotPay Do?
Skip any bureaucratic hurdles, including writing a 623 dispute letter and other services including:
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