Creating dispute instructions are an essential part of the dispute process.  Learning how to create an effective dispute instruction is a skill that can be mastered. A dispute is constructed by using the information within your account. Learn the different types of information that an account contains. Then see what information is erroneous. You can identify errors by seeing what is obviously missing from the account's information. There could be a wrong date or maybe you made a 1 late payment and want to remove it; the list goes on. The important part though is that the dispute instruction does not contain any words that may compromise you. 

For an example:

*That account is not mine.

*I do not owe the company money.

*ect.

The reason why is because if you do legally owe them money the dispute can be hold against you in court. This is why it is a very delicate process and many professional organizations like credit repair; have gotten into legal lawsuits.

Another importance in creating your dispute instruction is telling exactly what you want the credit bureau or lender do with your account. 

A couple of examples are:

*Please verify.

*Please validate.