Ready to write a credit dispute letter, but not quite sure where to start? Well, these tips will help you know exactly what to do so you can get the eliminations you’re looking for.

1. Type your dispute letters on a typewriter or computer word processor.

Using a program like Microsoft Word, Word Perfect, or Open Office will help keep your letter clean and professional. Credit bureaus won’t accept handwritten dispute letters, so be sure to type your letter.

2. Write a different letter with the address and name of each credit bureau.

Each credit bureau is its own entity, and they will not accept a letter addressed to all credit bureaus.

3. Include your account name and account number in your letter for each account you are disputing, as well as a reason why you are disputing that item.

If your account number has X’s, include them. Enter account information the same way it appears on your paper copy or online credit report.

4. Dispute all items like “This account is not mine” first.

This will allow the credit bureaus to do their own extensive check on that account. If it comes back as verified, you will need to send additional letters or eventually settle the account.

5. Include a portion of the Fair Credit Reporting Act sections to support what you say.

Credit bureaus will take your letter more seriously if they can see that you know what you’re talking about. Locating the sections of the Fair Credit Reporting Act will help keep them in the proper arrangement.

Here are some great basic tips you can take when writing your own dispute letter.