Free tool · Checklist
Dispute letter checklist
Make sure your dispute letter includes every element the FCRA needs to force a reinvestigation.
D0%
Needs Work — Several key elements missing
0 of 20 items checked
Personal InformationRequired
0/4Disputed Item DetailsRequired
0/4Legal BasisRecommended
0/4Supporting EvidenceRecommended
0/3Delivery & FormattingImportant
0/5Missing Elements (20)
- Personal Information: Full legal name
- Personal Information: Current mailing address
- Personal Information: Date of birth
- Personal Information: Social Security number (last 4 digits)
- Disputed Item Details: Name of creditor/account
- Disputed Item Details: Account number (full or partial)
- Disputed Item Details: Type of item being disputed
- Disputed Item Details: Specific reason the information is inaccurate
- Legal Basis: Reference to FCRA Section 611
- Legal Basis: Statement that info is inaccurate, incomplete, or unverifiable
- Legal Basis: Request for investigation within 30 days
- Legal Basis: Request for deletion if unverifiable
- Supporting Evidence: Copies of supporting documents attached
- Supporting Evidence: List of enclosed documents referenced in letter
- Supporting Evidence: Documents are copies, not originals
- Delivery & Formatting: Sent via USPS Certified Mail with Return Receipt
- Delivery & Formatting: Addressed to correct bureau dispute address
- Delivery & Formatting: Letter is dated
- Delivery & Formatting: Signature included
- Delivery & Formatting: Copy kept for your records
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Pro tip
ScoreWipe generates dispute letters that include all of these elements automatically, with the correct FCRA citations and bureau-specific formatting.
Generate your letter freeThis checklist is based on best practices under the FCRA. It is for educational purposes and does not constitute legal advice.