Give the facts, explain why you dispute the information and request deletions or corrections. You may want to enclose a copy of your credit bureau report with circles around the items in question. Send your letter by certified mail. Request a return receipt so you can document what CBS received and when. Keep copies of your dispute letter and enclosures.

CBS will usually investigate the items in question within three business days from the date of receipt of the disputed information. If it cannot finish its investigation within three days, it will inform you that it needs more time to complete its investigation. If the investigation cannot be completed within 10 business days from the date of receipt of your disputed information notice, or if CBS determines that it cannot resolve the dispute, the matter will be referred to its Compliance Committee.

In addition, tell the creditors in writing about your disputed items. Again, include copies (not originals) of documents that support your position. Many financial institutions specify an address to send disputes to. If they then report the item to CBS, they must include a notice of your dispute. If you are correct - that is, if the disputed information is not accurate - they must not use it again.