<p> Instructions for use: </p><p>This is a template letter for you to use if you want to dispute a payment that a bank or financial institution has recorded as being late.</p><p>You need to add your own details. The letter is on the next page. </p><p>You can also add any details that you think will help the company investigate for you.</p><p>Once you’ve made changes print it out and read to check it.</p><p>(Where you see bold and blue text in brackets, you must edit or delete the text within them.) (Insert your full name) (Insert your current address) (Insert your town) (Insert your county) (Insert your postcode) (Insert your phone number)</p><p>(Insert today’s date) (Insert bank or lender’s name) (Insert bank or lender’s address) (Insert bank or lender’s city/town) (Insert bank or lender’s postcode)</p><p>Dear Sir or Madam,</p><p>RE: Account number (Insert your bank/credit account number)</p><p>I have viewed my Experian credit report and would like to let you know that my account started on (insert start date) should not show any late payments. </p><p>(Insert any detail here regarding the late payments, when they appear on your credit report, and any additional information about why you do not think they should appear.) </p><p>The account is in the name of (Insert the name or names on the account in question) and registered at the address (Insert the address the account is registered to (e.g. your address)).</p><p>Please can you investigate my comments and let me know the outcome.</p><p>Yours faithfully</p><p>(Insert your name here and sign by hand just above once you’ve printed the letter)</p>