SAMPLE LETTER:  LATE PAYMENT DISPUTE LETTER

Your name
Your address

Date

Name of Credit Bureau
Address of Credit Bureau
City, State, and Zip Code

RE:  Credit Report Confirmation Number
Your Social Security Number
Your Date of Birth

To Whom It May Concern:

I am writing because my credit report lists the following accounts as reflecting late payments.  These accounts have been paid on time and the information that appears in the credit report is incorrect.  Please verify the following accounts and update my credit report to accurately reflect my credit history:

I would appreciate your sending me an updated copy of my file as soon as you have completed your investigation.  Thank you.

Sincerely,