How to Write a Letter to a Credit Reporting Agency

In some situations, we must contact one of the credit reporting agencies--Equifax, Experian or Transunion--by mail. Disputing the validity of an account is a common reason, as is requesting a copy of your credit report. Like any other important correspondence, a letter to one of the credit reporting agencies should be typed, rather than handwritten.

Instructions

1

Type the letter in a common, easy to read font, such as Times New Roman or Arial. Avoid themed fonts; they are difficult to read.

2

Provide enough information to identify yourself, including your full name, address, security number and date of birth.

3

State your request with clarity; get right to the point. Avoid long, drawn-out letters. If you are writing to dispute an item, include the creditor name, account number, date reported and balance.

4

Include photocopies of required documents. If you're requesting a copy of your credit report, you'll need to include a copy of your state ID or driver's license and a utility bill showing your name and address.

5

Review the letter for accuracy. Correct grammatical errors and misspellings. Print the letter, and then sign the bottom.

6

Mail the letter via certified or registered mail. Both options allow you to verify receipt of the letter and establish a time stamp.