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Template

Dispute letter for an inaccurate charge-off

Use this when a charged-off account shows the wrong balance, status, or dates.

When to use this template

  • The balance shown is higher than what you owe.
  • The account was paid or settled but still shows an unpaid balance.
  • Dates of first delinquency or last activity look wrong.

Sample letter

Replace everything in [brackets], and send one letter to each bureau that shows the error.

[Your full name]
[Your street address]
[City, State ZIP]
[Date]

[Credit bureau name]
[Bureau dispute address]

Re: Dispute of inaccurate information on my credit report

To whom it may concern:

I am writing under the Fair Credit Reporting Act (15 U.S.C. § 1681i) to dispute inaccurate information on my credit report.

Item in dispute: [Creditor name] — account ending [xxxx], reported as charged off

Why it is inaccurate: The information reported for this account is inaccurate or incomplete, specifically: [balance / status / dates]. The enclosed records show the correct information.

What I am asking: Please investigate and correct the account to reflect accurate information, or delete it if it cannot be verified.

Please send me the results of your investigation in writing, along with an updated copy of my credit report.

Sincerely,
[Signature]
[Your printed name]

Enclosures:
- Settlement or paid-in-full letter, if any
- Account statements showing the correct balance
- Proof of payment

Skip the typing

Rapid Rescore writes this letter for each bureau from the accounts you choose, attaches your ID and proof of address, and lets you print and mail it free — or mail it for you first-class or certified with tracking.

Create my letters free

What to enclose

  • Settlement or paid-in-full letter, if any
  • Account statements showing the correct balance
  • Proof of payment

Send copies, never originals.

Tips

  • The reporting period generally runs from the date of first delinquency, so inaccurate dates matter.
  • Keep any settlement agreement — it's strong evidence.
  • Send it by a method that proves delivery. See certified mail vs first-class and where to send it.

More templates

General educational information and a generic template, not legal advice. A dispute can't remove accurate information, and Rapid Rescore does not guarantee any result. Last reviewed: October 2026.

FAQs

Common questions

Can't find what you're looking for? Talk to us directly.

Not necessarily. A paid charge-off is usually reported as paid but can remain for the legal reporting period.

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