If you have not checked your credit reports in a while, you might have missed some glaring credit errors. Unaddressed misinformation can lower your credit score and perhaps even point to fraudulent transactions done in your name. Where to start with correcting this?

The most common solution is to file a credit dispute form with your credit reporting agency or credit bureau (e.g. Experian, TransUnion, Equifax). Credit disputes function as Complaint Forms that demand further investigation and correction of report errors.

Here are some credit dispute form samples to give you an idea. Each are free for download in PDF and Word document formats.

Credit Report Dispute Form

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File Format
  • PDF

Size: 30 KB

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Credit Card Dispute Form

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File Format
  • PDF

Size: 646 KB

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Credit Dispute Letter Form

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File Format
  • PDF

Size: 140 KB

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Tax Credit OverPayment Dispute Form

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File Format
  • PDF

Size: 176 KB

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Annual Credit Report Dispute Form

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  • PDF

Size: 70 KB

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When to Use These Templates

  • Received notice that you have been overpaid tax credits and need repayment?
    See the Tax Credit Overpayment Dispute Form.
  • Noticed an error or questionable transaction in your credit card bill?
    See Credit Card Dispute Form, Credit Dispute Resolution Form, and Credit Transaction Dispute Form.
    (Note: Always check and make sure to use the form supplied by your card-holding bank.)
  • Need to write a credit dispute letter?
    Check out the free sample Credit Dispute Letter Form.

Dos and Don’ts in Filing Your First Credit Dispute

  • Address the dispute to the credit reporting agency. If you deal only with the furnisher, for example, the lender who is responsible for an error in your report, you won’t be able to sue in case the lender fails to correct the error.
  • Check the terms of agreement you signed with the credit bureau. This will help you out when you have to support your case and win it.
  • Document and safely keep evidence of the discovered error and the harm it causes you.
  • Include enough information in your dispute letter. A free-form letter may seem cumbersome to the process, but this will help you out if you need to take your case to court.

You might also be interested in templates for Credit Card Authorization Forms. These forms authorize a company to charge the credit card of a person or company for an indefinite period. Without this form, it is unlawful for any entity to keep charging your credit account. In that case, you would need one of these provided credit dispute forms.

Free Credit Report Dispute Form

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File Format
  • PDF

Size: 48 KB

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Credit Bureau Dispute Form

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File Format
  • PDF

Size: 98 KB

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Credit Dispute Resolution Form

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File Format
  • PDF

Size: 666 KB

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Credit Transaction Dispute Form

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File Format
  • PDF

Size: 669 KB

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Credit Dispute Request Form

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File Format
  • PDF

Size: 26 KB

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Additional Resources for Credit Forms

For a list of free samples for Credit Application Forms, feel free to check out that link, browse the available forms there, and download whichever you need as PDF and Word doc files. These include samples for application for business credit, consumer credit, joint credit, and others.

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