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thereamp;#39;s a lot of you who have a misconception when it comes to credible prayer you feel like your letter needs to be perfect okay at the end of the day when you send a dispute to the credit bureaus it is their job to honor that dispute regardless of what it says okay you can simply write a letter to the credit bureau all you have to include in that letter is your personal information so they can verify your identity okay your two forms of id and in that letter you need to pinpoint the account that you have an issue with what the issue is and then what is the result that you desire that is all you donamp;#39;t have to write you know under uh section 609 of you know this under the fair credit reporting act you donamp;#39;t have to say any of those um legal terms none of that is required in your dispute letters and a lot of people feel like that is what is actually helping them improve the credit when thatamp;#39;s not the case because guess whoamp;#39;s looking at your credit