Templates
Free credit dispute letter templates.
Pick your situation for a fill-in-the-blank template — or let Rapid Rescore write the letters for all three bureaus for you.
Templates are a starting point. Rapid Rescore generates a complete letter for each bureau from the accounts you choose, attaches your ID and proof of address, and lets you mail them yourself for free — or mail them for you, first-class or certified with tracking.
Generate my letters freeCollection account that isn't mine
Use this when a collection account appears on your report and you don't recognize it or don't owe it.
Late payment reported in error
Use this when an account shows a late payment you believe you made on time or that was reported incorrectly.
Inaccurate charge-off
Use this when a charged-off account shows the wrong balance, status, or dates.
Paid account still showing a balance
Use this when you paid an account in full but it still reports a balance or past-due amount.
Identity theft account
Use this when an account on your report was opened by someone else using your information.
Duplicate account listing
Use this when the same debt appears more than once, such as with both the original creditor and a collector.
Incorrect personal information
Use this when your name, address, employer, or Social Security number is wrong or belongs to someone else.
Account past the reporting period
Use this when a negative item is still reporting after the legal time limit.
Bankruptcy reporting errors
Use this when accounts included in a bankruptcy still show balances or the wrong status.
Medical collection error
Use this when a medical collection is incorrect, already paid, or billed to insurance in error.
Repossession reporting errors
Use this when a repossession shows the wrong balance, dates, or deficiency information.
Student loan reporting errors
Use this when student loan balances, statuses, or payment history are inaccurate.
Unauthorized hard inquiry
Use this when a hard inquiry appears from a company you didn't apply with or authorize.
General educational information, not legal advice. Rapid Rescore does not guarantee any result. Where to send your dispute →
Free to start. No card. Takes 5 minutes.
Create your account and generate your first dispute letter today — optional mailing and notarization are there if you want them.