There are times when it is necessary in order to craft a dispute letter regarding a particular debt which you have discovered on your credit profile. You must keep a watch on your credit to be sure that only valid debt is listed within the report. If find a discrepancy on credit profile, it is important in order to immediately notify by lender via letter on the mistake that has all of a sudden appeared on that credit profile. First, make sure which you have all current documentation the debt in your possession. The documents that is the credit discrepancy should always be kept and you should make copies of any of the documents and send them and your letter. When drafting your credit dispute letter, be clear with what you are disputing.