Free Credit Report Challenge

This letter is used to correct an unfavorable entry in a credit report file, or to add an explanation to the file regarding the unfavorable entry.

Use the Credit Report Challenge document if:
  • You want to challenge an unfavorable entry or mistake in your credit report.
  • You want to request the deletion of information more than seven years old (ten years in the case of bankruptcy).
  • You want to have your response to an unfavorable entry in your credit report recorded in the report.
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