 TITLE: How to Write a Credit Dispute Letter CONTENT: How Does Disputing Information Affect Your Credit Score?\n--------------------------------------------------------\nSimply filing a dispute does not affect your credit score, but the outcome of a dispute might. For example, if you can show that a delinquent account on your credit report is the result of identity theft and isn't yours, the account (along with any late payments, collections or default associated with that account) will be removed—likely raising your credit score accordingly.\nFiling a dispute is unlikely to lower to your credit score, even if things don't resolve in your favor. Because the negative information you disputed isn't new to your credit report, having it stay there typically doesn't cause any further change to your score. END