Get our app
Account Sign up Sign in

MAKE YOUR FREE Credit Report Challenge

Make document
Other Names: Credit Report Challenge Letter Challenge Credit Report
Credit Report Challenge document preview

What is a Credit Report Challenge?

If you need to challenge something on your credit report, you can use a Credit Report Challenge. As your credit score is crucial when a creditor is deciding if you're loan-worthy, you can use a Credit Report Challenge to help ensure that your score remains accurate. 
A Credit Report Challenge can be used when you discover an error on your report. For example, perhaps you paid off that old video rental account years ago, and one of the credit reporting bureaus is still reporting it as overdue. You can use this document to provide as much information about your specific situation as you can. The credit bureau is then required to investigate your case (at no charge), and must correct any mistakes or remove any information that it can't verify. 
There are three separate credit reporting bureaus, and you have to make sure your information is correct on all of them. If you encounter a mistake you can use a Credit Report Challenge to help correct it.

When to use a Credit Report Challenge:

  • You want to challenge something on your credit report.
  • You'd like to add an explanation to an item on your report.
  • You want to request the deletion of information more than seven years old (ten years in the case of bankruptcy).

Sample Credit Report Challenge

The terms in your document will update based on the information you provide

This document has been customized over 16.2K times
Ask a lawyer questions about your document







Re: Credit Report Challenge


Dear Sir or Madam:


The purpose of this letter is to challenge an incorrect entry in credit report file.



Your efforts in investigating this matter would be appreciated. Please respond at your earliest convenience regarding the results of your investigation.


Please contact if you have any questions or need additional information.






and and



_____ A photocopy of the relevant credit report should be enclosed with the letter. If a specific entry in the report is being challenged, that entry should be marked or highlighted so that it can be easily identified.


Credit Report Challenge document preview

Create Your Document In Just 3 Easy Steps:

Build your document

Build your document

Answer a few simple questions to make your document in minutes

Right-facing arrow
Save now, finish later

Save now, finish later

Start now and save your progress, finish on any device

Right-facing arrow
Download, print & share

Download, print & share

Store securely, share online and make copies

Right-facing arrow

Looking for something else?

Start your Credit Report Challenge now and get Rocket Lawyer FREE for 7 days

Get legal services you can trust at prices you can afford. You'll get:

All the legal documents you need—customize, share, print & more

Unlimited electronic signatures with RocketSign®

Ask a lawyer questions or have them review your document

Dispute protection on all your contracts with Document Defense®

30-minute phone call with a lawyer about any new issue

Discounts on business and attorney services