4-Letter 3-Credit Bureau Dispute Templates

4-Letter series for the credit bureaus. These are templates wherein you will enter your information and negative items in the placeholders and send out the disputes. You will want to make sure to remove any non-relevant information from the dispute letters to ensure that you're not sending out dispute letters that sound like you're sending information that you simply found online. Although I am anti-template, these letters will work only if you send what is relevant to your situation and send it to the right credit bureau. 

If you are unsure of what to say in your dispute letters and do NOT want to use the 609 method, then these dispute letters will provide a base to start from. 

Please note that these dispute letters are law-heavy and follow this pattern:

Request for investigation

Failure to investigate - second request

Failure to investigate, delete - third request

Violation of section 1681, delete all items - last request before a lawsuit

Includes: 

4 rounds of dispute letters for TransUnion, Experian and Equifax individually in doc and PDF

How disputes are handled - testimony

Mail-in report request

Instructions 

no response letter

Response to frivolous letter

doc and PDF for each