When you need to dispute an error on your credit report, putting your complaint in writing is the most effective approach. A formal letter creates a paper trail and forces the lender or credit reference agency to take your issue seriously. We have created a free template below to help you get started.
While many agencies offer online dispute forms, sending a letter directly to the lender's complaints department can sometimes yield faster results. Lenders are legally responsible for the accuracy of the data they share with credit reference agencies, and a well-drafted letter reminds them of this obligation under the Consumer Credit Act and UK data protection law.
How to Use This Template
To use this template, copy the text below and fill in your personal details where indicated. Include your full name, current address, and any previous addresses linked to the disputed account. You must also provide the exact account number and clearly state why the information is incorrect.
Always attach copies of your evidence, such as bank statements or correspondence. Never send original documents as they may not be returned. Send the letter via recorded delivery so you have proof it was received. Keep a copy of the signed letter for your own records.
The Dispute Letter Template
[Your Name]
[Your Address]
[Postcode]
[Date]
[Name of Lender or Credit Reference Agency]
[Their Address]
[Postcode]
Dear Sir/Madam,
Re: Dispute Regarding Account Number [Insert Account Number]
I am writing to dispute an inaccurate entry on my credit report regarding the above account. The information currently recorded is incorrect and is negatively affecting my credit profile and my ability to obtain credit on fair terms.
Specifically, the report states [explain exactly what the error is, for example: that I missed a payment in March 2024]. This is inaccurate because [explain why it is wrong, for example: the payment was made in full and on time on 1st March 2024, as evidenced by the enclosed bank statement].
I have enclosed copies of [list your evidence, for example: my bank statement dated March 2024] which clearly supports my position. I request that you investigate this matter immediately and update my credit file to reflect the accurate information within 28 days, as required under the UK GDPR and the Consumer Credit Act 1974.
If I do not receive a satisfactory response within 28 days, I will escalate this matter to the Financial Ombudsman Service.
I look forward to your written confirmation that this error has been corrected.
Yours faithfully,
[Your Signature]
[Your Printed Name]
Once the error has been corrected, check your credit report again to confirm the change has been applied. If you are also dealing with late payment markers, a similar goodwill letter approach can be used with the lender directly.
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