Can anyone point me in the right direction to find a sample dispute letter. Then from there, how much much should I personalize the dispute. Should I keep it as bare bones as possible? In my case, my dispute is that the debts are not mine...I believe them to be my fathers (same name, I'm a junior). How much detail should I include? My question is whether or not to explain within the body of my dispute that I believe them to be my fathers??
You shouldn't use boilerplate communications at all. You should simply name the accounts line by line and clearly state that they are not yours rather, your fathers.
If you are disputing these per your credit reports, try the on-line dispute systems. You can simply check off "Not Mine".
OK thank you, I am about to purchase FICO Credit Complete pkg from Myfico.com, will i be able to dispute online and check "not mine" that product?? Also, is this where I should order my reports from, or should I order directly from the bureaus??
When I had a dispute, I gave them my ID (name, address, DOB, SSN) and a photo of my DL. I then listed the accounts using their numbers and I included a copy of the credit report page that had the account with a hand-written notice: "not mine" just to make sure. But, I would try the online dispute through EACH COMPANY's WEB-SITE (not a proxy site that claims they will do it for you), first, and if that doesn't work, send in a letter, CMRRR, asking that they re-investigate, and provide a more detailed explanation. If that doesn't work (e.g. you're working with Experian), then you need to get your legal case together. Good luck.
I found this from a few years ago, is this still the best approach??? Re: Going Into Battle For 1st Time -------------------------------------------------------------------------------- Quote: Originally posted by creditman 1. dispute with CRA 2. Send validation to CA 3. Cease and desist CA 4. Estoppel CA 5. No proof, intent to sue and complaint CA and OC loose guidelines. depends on results I would do it in a different order. 1) Send validation to collection agency 2) 1 week later send dispute to CRA. Here is the reason. If the collection agency already has it in their system that you are demanding proof, etc. this might affect whether they verify it when the CRA contacts them. Many collection agencies will immediately return the account to the original creditor if you demand validation. So it is better if that happens, THEN the CRA dispute arrives. In my experience, that is the way to attack it.
That depends on if you plan to take a Collection Agency to court or you just want to remove some entries that belong to someone else.
