How to Write a Letter to Dispute Bankruptcy to Credit Reporting Agencies

If you file for bankruptcy, it will negatively impact your credit history for the next 10 years, according to moneybluebook.com. Sometimes mistakes occur and the credit bureaus report that you filed for bankruptcy when you did not. You must correct these errors as soon as possible to ensure you receive favorable interest rates and to avoid problems getting loans at all. Always correct errors in writing so you have a record of your request.

Instructions

1

Obtain a copy of your credit report form each of the three bureaus. You can get one copy from each bureau free of charge annually via annualcreditreport.com either by mail or online. If online, print a copy.

2

Read through each report. Highlight incorrect information regarding bankruptcies and any other inaccuracies.

3

Write your letter. Include your name, address and phone number, as well as a detailed description of the error or errors. Request a correction. Write one letter to each bureau regarding mistakes in that bureau's report.

4

Attach a copy of your highlighted credit report from that bureau to the letter. Also attach any supporting documentation. For example, if a credit report states that you filed Chapter 7 in 2008 and you actually filed Chapter 13, include your Chapter 13 paperwork with that letter.

5

Send the letter and documentation to each of the three credit bureaus by certified mail, using online tracking or a return receipt to verify delivery.

6

Expect a response within 30 days. Each credit bureau that agrees your report from that bureau is incorrect must include a corrected credit report free of charge. You will get one to three reports, depending upon how many bureaus correct errors.