When you notice a mistake in your credit history, you can dispute it. To dispute the mistake, you’ll have to send a complaint letter to the three credit bureaus, as well as one to the creditor. We are used to doing things online however, when it comes to disputes, it turns out that paper is better. Sending a written complaint with certified mail with Return Receipt is most effective. Write a detailed letter (with evidence to support your claims) instead of using the forms the credit bureaus suggest. Keep copies of your letter and documents. All of this will be helpful if you ever need to prove this process in court. Here’s a sample letter for disputing credit report errors (from FTC)….