Where do I go to find letter templates to dispute items found on my credit report?

I found a lot of stuff that does not belong to me\false information\etc., etc.

Public Comments

1. The same credit report agencies (Equifax, Experian, etc) have in their websites a way to dispute items on line, but for that you need to get your edit report with each one of them and that can be expensive. What you can do is to get your credit report with one of them, dispute some of the items on line with that one, and them send letters to the others. Keep receipts of every letter you send, if they don't answer in 30 days, you can report them, and they will have to take the item you are disputing out of your credit report. Hope this can help.
2. they have buttons online that you can select that show 'dispute this item' (experian)
3. What you need to do is just dial your credit card companies number and straightaway ask them for their credit report dispute units fax number fax in your details with the letter of dispute and they will do the rest for you without charging even a single penny
4. I posted the links to several sites with sample letters. I think those and the other links will help you out a lot. Just a word of caution. Before you start doing battle with the Credit Reporting Agencies (CRA's), you must first read and understand the Fair Credit Reporting Act. It goes into the procedures that you must follow exactly if you want these items removed. Remember, CRA's do not remove or change items on your report. Only the creditor can do that. So, your first step is to ask the CRA to "verify" the listing. The CRA does NOT investigate anything. They will simply contact the creditor and ask if it's a legitimate debt, and if the information is correct. If the credit says "yes" (in almost all cases I've messed with), then the report will stay in your records, but will now have a note that it is being disputed. You must now send a letter to the creditor demanding that they "VALIDATE" the debt. Use the sample letter below for that. Validate means they must supply you with copies of contracts, bills, receipts, or anything that was used to calculate the debt they claim you owe. If they do not respond back in 30 days, or if they do not remove the listing, they are in violation of the FCRA and you can sue them in court for penalties and damages. Keep all letter and record any phone calls you make. Send letters by certified mail so you have proof you sent them. DO NOT be afraid to threaten lawsuits if they do not comply. I've helped several people fix problems, plus cleaned up my open report from a lot of wrong information and ID Theft. The threat of a lawsuit is the only thing these guys seem to understand.