Embedded Files
To Credit Bureau, Request Free Copy of Credit Report (Denied Credit) Date
To Credit Bureau, Request Free Copy of Credit Report (Denied Credit) Date
Date
Credit Reporting Agency (Experian, TransUnion or Equifax)
Address
City, ST ZIP Code
Re: Credit report of John M. Doe, III
Address: 111 E. Main Street, Anytown, NY 00000
Former Address: 555 E. Oak Avenue, Anytown, NY 00000
SSN: 000-00-0000
DOB: 00/00/00
Dear Sir or Madam:
I am requesting that you send me a free copy of my credit report. I was recently denied credit by the Acme Credit Card Company based on information contained in my credit report with your agency. I have attached a copy of the letter from Acme denying me credit. Thank you.
Sincerely,
John Doe [You must sign the letter]
John M. Doe, III
Sample Letter 2: To Credit bureau, Request Free Copy of Credit Report (Unemployment)
Date
Name of Credit Reporting Agency (Equifax, Experian, TransUnion)
Address
City, ST Zip
Re: Credit report of John M. Doe, III
Address: 111 E. Main Street, Anytown, NY 00000
Former Address: 555 E. Oak Avenue, Anytown, NY 00000
SSN: 000-00-0000
DOB: 00/00/00
Dear Sir or Madam:
Please send me a copy of my credit report. I am currently unemployed and am looking for work. I understand that under the F.C.R.A., I am entitled to a free copy of my credit report because I am currently unemployed and am searching for employment. Attached is a copy of my recent application for unemployment benefits as proof of my eligibility to receive a free copy of my credit report. Thank you.
Sincerely,
John Doe [You must sign the letter]
John M. Doe, III
To Credit Bureau, Order Copy of Credit Report
To Credit Bureau, Order Copy of Credit Report
Date
Credit Reporting Agency (Experian, TransUnion or Equifax)
Address
City, ST Zip
Re: Credit report of John M. Doe, III
Address: 111 E. Main Street, Anytown, NY 00000
Former Address: 555 E. Oak Avenue, Anytown, NY 00000
SSN: 000-00-0000
DOB: 00/00/00
Dear Sir or Madam:
Please send me a copy of my credit report. Attached you will find my check to cover the $____ fee.
Note that I recently moved from 1234 James Street, Anytown, Texas to 4321 Any Avenue, Dallas, Texas. I have attached a copy of my driver's license with my new address for identity verification purposes. My new telephone number is (000) 000-0000.
Sincerely,
John Doe [You must sign the letter]
John M. Doe, III
Sample Letter 4: To Credit Bureau, Account Belongs to Former Spouse
Date
Credit Reporting Agency (Experian, TransUnion or Equifax)
Address
City, ST Zip
Re: Name
Address
Phone number
SSN
DOB
Dear Sir/ Madam:
This letter is to request that an account belonging to my ex- (wife or husband) be removed from my credit report. The account is under the name of _______________, reference number ____________. I have attached a copy of that portion of my credit report with the account I'm referring to circled in red.
My ex-(wife or husband) and I were divorced on _________________. The account you have listed on my credit report was opened by (him or her) as an individual account after our divorce was final and should not be listed on my credit report.
Please remove this information and send me a corrected copy of my credit report as soon as possible.
Sincerely,
Your name
attachment
MORE INFO VISIT http://www.bcsalliance.com/sample-credit-repair-letters-1.html
To Creditor, Ask Creditor To Remove Late Payment Notation
To Creditor, Ask Creditor To Remove Late Payment Notation
Date
Name of Company
Address
City, ST Zip
Account Name:
Account Number:
Dear Sir or Madam:
Recently, I received a copy of my credit report and noticed that several of my payments to your company are marked as having been received late.
A review of my past payment record with you would show that I have always made my payments on time. These few late payments were the result of (lost job, unexpected illness, etc.) which forced me to temporarily fall behind paying my debts. However, I recovered quickly and resumed making all payments on time.
For this reason, I am requesting that you contact [name of credit bureau] and have these late payment notations deleted from my credit report. If it weren't for these few late payments, I would have an excellent payment history with your company and do not believe it is fair for my credit rating to suffer because of a temporary situation.
Thank you for your attention to this matter.
Sincerely,
Your Name
Sample Letter 6: To Creditor, Inform Creditor It's Reporting Information Incorrectly
Date
Name of Company
Address
City, ST Zip
Account of:
Account Number:
Dear Sir or Madam:
I recently obtained a copy of my credit report from [name of credit bureau] and discovered that you have erroneously reported information regarding my account. This information is in error because [explain why it is in error]. I have attached a copy of [cancelled check, etc.] that proves this information is incorrect.
Please contact [name of credit bureau] as soon as possible and have this information corrected and notify me by letter when you have done so. Thank you for your attention to this matter.
Sincerely,
Your Name
Mailing address
Telephone number
MORE INFO VISIT http://www.bcsalliance.com/sample-credit-repair-letters-2.html
To Creditor, Negotiate for Removal of Negative Information
To Creditor, Negotiate for Removal of Negative Information
Date
Name of Company
Address
City, ST Zip
Account of:
Account Number:
Dear _______________:
This letter is to confirm our telephone conversation of [date] wherein you agreed to accept $___________ as payment in full for the above-referenced account.
In exchange for my making the above-mentioned payment, your company has agreed to delete both the charge-off and late payment notations appearing on my [name of credit bureau] credit report. After payment has been made, the notation "paid as agreed" will be included on my credit report.
If you agree to the above, please sign and date this letter and return a copy to me. Upon receipt of same, I will immediately mail payment of $_____________ to you.
Signature ____________________________
Date ______________________________
Title _________________________________
Sincerely,
Your Name
Mailing address
Telephone number
Sample Letter 8: To Credit Bureau, Request Consumer Statement Be Added (Unemployment)
Date
Name of Credit Bureau
Address
City, ST Zip
Re: Credit report of _______________
Address: __________________________
Telephone: __________________
SSN: 000-00-0000
Dear Sir or Madam:
Under section 611(b) of the Fair Credit Reporting Act, I am requesting the following consumer statement be inserted in my credit report exactly as I have written it:
"On 00/00/00 I and [number of employees] other employees of [name of employer] were laid off due to [reason why laid off]. As a result, I fell behind paying my debts. I found employment on [date found employment] and began catching up paying my delinquent debts. My overall credit report shows an excellent payment history. If it weren't for losing my job, I would still have a perfect credit rating. I believe the late payments associated with the [name of creditor] account are not a true reflection of my creditworthiness."
Please send me an updated copy of my credit report once the above statement has been added to my credit report. Thank you very much.
Sincerely,
Your Name
To Credit Bureau, Request Consumer Statement Be Added
To Credit Bureau, Request Consumer Statement Be Added
Date
Name of Credit Bureau
Address
City, ST Zip
Re: Credit report of _______________
Address: __________________________
Telephone: __________________
SSN: 000-00-0000
Dear Sir or Madam:
Under section 611(b) of the Fair Credit Reporting Act, I am requesting the following consumer statement be inserted in my credit report exactly as I have written it:
"I dispute the fairness of the late payments being reported on the [name of creditor] account. These late payments are the fault of [name of creditor] that habitually mails my monthly statement to me after the date payment is due, if it bothers to mail me a statement at all. Because I do not receive my billing statement in time and sometimes not at all, I have had no choice but to make payment after the due date. For this reason, there are numerous late pays associated with this account that are no fault of mine."
Please send me an updated copy of my credit report once the above statement has been added to my credit report. Thank you very much.
Sincerely,
Your Name
To Credit Bureau, Request Erroneous Information Be Deleted
Date
Name of Credit Bureau
Address
City, ST Zip
Re: Credit report of _______________________
Address: _______________________________
Former Address: ___________________________
SSN: 000-00-0000
Dear Sir or Madam:
I am writing to request removal of the following erroneous information from my credit report. The following account is not mine and its inclusion in my credit report is very damaging to my credit rating:
[Item # Name of account]
I am requesting the above item be reinvestigated and deleted from my credit report under the provisions of the Fair Credit Reporting Act, and that a free, corrected copy of my credit report be sent to me within the 30 day period set forth in the FCRA.
Thank you very much for your attention to this matter.
Sincerely,
Your name
MORE INFO VISIT http://www.bcsalliance.com/sample-credit-repair-letters-4.html
To Debt Collector or Attorney, Not responsible for paying account
To Debt Collector or Attorney, Not responsible for paying account
Note: Section 809 referred to in this letter applies only to debt collection agencies and attorneys and not to original creditors.
Certified Mail No. __________________
Return Receipt Requested
Date
Name of Collection Agency (or Attorney)
Address
City, ST Zip
Re: Account of __________________; Account No. _______________
Dear Sir or Madam:
I am writing this letter in response to your (letter or telephone call) on (date) wherein you informed me that I owe $______ .
Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me the following information:
(1) The name of the original creditor;
(2) What goods or services were purchased with the money you claim I owe;
(3) All documentation proving that I owe this debt; and
(4) A copy of your license to practice debt collection in my state. [delete (4) if addressed to an attorney]
I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they cannot report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so.
Sincerely,
Your name
Your address
Your phone
Sample Letter 12: To Credit Bureau, Request False Account Be Removed
Certified Mail No. _____________
Return Receipt Requested
Date
Credit Bureau
Address
City, ST Zip
Re: Name
Address
Phone number
SSN
DOB
Dear Sir/ Madam:
I am writing this letter to dispute the collection account of (name of collection agency or attorney) on my credit report and am requesting it be deleted as soon as possible.
On (date), I notified (name of collection agency or attorney) that I did not owe this debt. I also demanded that they not report this account to any credit bureau and asked them to provide me with proof that I owe the debt. Attached is a copy of the certified letter I sent them along with copies of the certified mail receipt showing that they received it.
Not only did they fail to provide me with proof that I owe the debt, they reported this information to my credit report anyway, which is a blatant violation of Section 809 of the Fair Collection Practices Act.
I am demanding that you remove this account from my credit report at once and send me a corrected copy. Please remove this information and send me a corrected copy of my credit report as soon as possible.
Sincerely,
Your name
attachment
MORE INFO VISIT http://www.bcsalliance.com/sample-credit-repair-letters-5.html
To Credit Bureau, Request Incorrect Information Be Correctly Reported
To Credit Bureau, Request Incorrect Information Be Correctly Reported
Date
Name of Credit Bureau
Address
City, ST Zip Code
Re: Credit report of _____________
Address: __________________________
Former Address: ___________________________
SSN: 000-00-0000
Dear Sir or Madam:
Upon reviewing my credit report, I discovered that the following items are not being reported correctly and are damaging to my credit rating:
Item #____ [Name of account]
This account was paid in full on 00/00/00. Attached is a copy of the cancelled check proving payment was made. Please make a notation that this account has been paid in full.
Item #____ [Name of account]
This account was always paid on time. The notation that this account was 30 or more day's delinquent on two occasions is incorrect. I am requesting the delinquent notations be removed.
I have included a copy of my credit report with these two items circled in red. I am requesting these items be reinvestigated and reported correctly according to the provisions of the Fair Credit Reporting Act, and that a corrected copy of my credit report be sent to me as soon as possible.
Thank you very much for your attention to this matter.
Sincerely,
Your Name
attachments
Sample Letter 14: To Subscriber, For Making Unauthorized Credit Report Inquiry
Date
Name of Company
Address
City, ST Zip
Re: Unauthorized Access of My Credit Report
Dear Sir or Madam:
A recent review of my [name of credit bureau] credit report revealed the fact that your company pulled my credit report on [date of inquiry].
I did not authorize your company to obtain a copy of my credit report. It is a violation of the Fair Credit Reporting Act for you to access my credit report without my permission. Therefore, I am requesting that you do two things: (1) Do not run a credit report on me in the future; and (2) Notify [name of credit bureau] that your inquiry was unauthorized and request it be deleted from my credit report.
Sincerely,
Your Name
To Credit Bureau, Request Compliance with FCRA
To Credit Bureau, Request Compliance with FCRA
Date
Certified Mail No.
Return Receipt Requested
Name of Credit Bureau
Address
City, ST Zip
Re: Credit report of ____________________; Address: ___________________________; SSN: 000-00-0000
Dear Sir or Madam:
On [date first letter sent], I sent you a letter disputing certain items in my credit report. I have attached a copy of that letter. As of this date, I have not received a response from you.
Your non-response is in violation of the Fair Credit Reporting Act, and I am requesting that you either re-investigate the information I am disputing immediately or delete the information from my credit report.
Please send me the names and addresses of those persons you contact to reinvestigate this matter so that I may contact them directly should this dispute not be resolved satisfactorily.
Thank you for your swift attention to this matter.
Sincerely,
Your name
attachment
Sample letter 18: To Credit Bureau, Request Compliance with FCRA (Follow-up to Letter 17)
Date
Certified Mail No.
Return Receipt Requested
Name of Credit Bureau
Address
City, ST Zip
Re: Credit report of ___________________; Address: ___________________________; SSN: 000-00-0000
Dear Sir or Madam:
On [date first letter sent] and [date second letter sent], I sent you letters disputing certain items in my credit report and asked that you reinvestigate them. Although 60 days have passed, I have not received a response to either letter. Attached are copies of both letters.
Your non-response to my previous correspondence is in clear violation of the Fair Credit Reporting Act, which requires that you respond to consumer disputes in a timely manner. Because you have failed to respond, I am demanding that the information in dispute be removed from my credit report immediately. I have attached a copy of my credit report with the information I am demanding be removed highlighted in red.
Please send me an updated copy of my credit report with the disputed information removed as soon as possible.
Sincerely,
Your name
attachments
To Creditor, Request Creditor Officially Close Account
To Creditor, Request Creditor Officially Close Account
Date
Name of Creditor
Address
City, ST Zip
Re: Account of [name account under]; Account No# __________________
Dear Sir or Madam:
I recently ordered a copy of my credit report and noticed that an old, abandoned account I have with your company has not been officially closed. This account has been paid in full and I have no plans to use it in the future. Therefore, I am writing this letter to request that your company officially close this account and report this fact to all of the credit bureaus to which you subscribe, so that a notation will appear on my credit report stating that this account has been "closed by accountholder".
Thank you very much for your attention to this matter.
Sincerely,
Your name
Address
Telephone number
To Credit Bureau, Request Unauthorized Inquiries Be Deleted
To Credit Bureau, Request Unauthorized Inquiries Be Deleted
Date
Name of Credit Bureau
Address
City, ST Zip
Re: Credit report of ___________________
Address: ___________________________________
Former Address: ______________________________
SSN: 000-00-0000
Dear Sir or Madam:
I am writing to request that the credit inquiries listed below be deleted from my credit report due to the fact that they were unauthorized by me:
[Name / I.D. # of Subscriber] [Date of Inquiry]
[Name / I.D. # of Subsriber ] [Date of Inquiry]
I have attached a copy of the relevant portion of my credit report with these inquiries highlighted. Please send me an updated copy of my credit report after the above inquiries have been deleted. Thank you for your attention to this matter.
Sincerely,
Your Name
attachment
To Credit Bureau, Who is a subscriber (creditor)?
To Credit Bureau, Who is a subscriber (creditor)?
Date
Name of Credit Bureau
Address
City, ST Zip
Re: Credit report of __________________
Address: ____________________________
SSN: 000-00-0000
Dear Sir or Madam:
I recently ordered a copy of my credit report and cannot determine whom a particular subscriber is from the information provided. The subscriber is listed on my credit report under the abbreviation _______________. I have attached a copy of a portion of my credit report with this abbreviation circled in red. Please provide me with the complete name, mailing address and telephone number for this subscriber as soon as possible, since I need to contact them directly.
Sincerely,
Your name
Address
Telephone
attachment
Sample Letter 20: To Credit Bureau, Request Removal of Obsolete Information
Date
Name of Credit Bureau
Address
City, ST Zip Code
Re: Credit report of ______________________
Address: ___________________________
Former Address: _________________________
SSN: 000-00-0000
Dear Sir or Madam:
A recent review of my credit report revealed obsolete information. I have attached a copy of my credit report with the obsolete information highlighted in red.
According to the Fair Credit Reporting Act, the negative information associated with this account should have been deleted after a seven year period. I am requesting you delete it as soon as possible and send me a free, updated copy of my credit report.
Thank you very much for your attention to this matter.
Sincerely,
Your name
attachment
MORE INFO http://www.bcsalliance.com/sample-credit-repair-letters-9.html
To Credit Bureau, Request Supplemental Information Be Added to Report
To Credit Bureau, Request Supplemental Information Be Added to Report
Date
Name of Credit Bureau
Address
City, ST Zip
Re: Credit report of ________________
Address: _________________________
Telephone: ____________________
SSN: ___________________
Dear Sir or Madam:
My current credit report is not an accurate representation of my overall payment history. Therefore, I am requesting that my credit history with the following subscribers be reported to my credit report:
Name of subscriber Account Name and Number
Subscriber 1 Your Name, Account #000000000000
Subscriber 2 Your Name, Account #000000000000
I understand that there is a small fee for providing this service, which I agree to pay. Please advise me of this fee, and send a copy of my credit report once the above information has been included. Thank you for your attention to this matter.
Sincerely,
Your Name
Sample Letter 22: To Creditor, Request Creditor Report Payment History
Date
Name of Creditor
Address
City, ST Zip
In Re: Account of ____________________; Account No.: 00000000000000
Dear Sir or Madam:
I recently requested copies of my TransUnion and Experian credit reports and discovered that my account history with your company has not been reported to either credit bureau, despite the fact that you subscribe to both.
Not reporting my account history is damaging to my credit rating and could adversely affect my ability to obtain employment, insurance, and credit in the future. As a valued customer, I am hoping you will comply with my request that you report my account history to these credit bureaus as soon as possible.
Thank you very much for your cooperation.
Sincerely,
Your name
MORE INFO http://www.bcsalliance.com/sample-credit-repair-letters-10.html
To Credit bureau, Request Consumer Statement Be Added (Account not mine)
To Credit bureau, Request Consumer Statement Be Added (Account not mine)
Date
Name of Credit Bureau
Address
City, ST Zip
Re: Credit report of ____________________; Address: _________________________
SSN: 000-00-0000; DOB: 00/00/00
Dear Sir or Madam:
Under section 611(b) of the Fair Credit Reporting Act, I am requesting the following consumer statement be inserted in my credit report exactly as I have written it:
"The [name of creditor] account being reported as a charge-off on my credit report is not mine. I have tried to resolve this dispute with the creditor directly, but to no avail. The creditor insists on claiming that this account is mine, despite the fact that I was only 13 years old when this account was opened. I am asking any prospective lender reading my credit report to examine the date of my birth and the date this particular account was opened."
Please send me an updated copy of my credit report once the above statement has been added to my credit report. Thank you very much.
Sincerely,
Your name
Sample letter 24: To Credit Bureau, Request Consumer Statement Be Added (Non-performance)
Date
Name of Credit Bureau
Address
City, ST Zip
Re: Credit report of __________________; Address: _______________________________
Telephone: _____________________; SSN: 000-00-0000
Dear Sir or Madam:
Under section 611(b) of the Fair Credit Reporting Act, I am requesting the following consumer statement be inserted in my credit report exactly as I have written it:
"The [name of creditor] account being reported as a collection account on my credit report arose out of a conflict with this creditor over [nonperformance of a promised service or non-delivery of a product]. I tried to resolve this dispute with [name of creditor] on numerous occasions, but was unsuccessful. Since I did not receive the [service or product], I refused to pay the bill."
Please send me an updated copy of my credit report once the above statement has been added to my credit report. Thank you very much.
Sincerely,
Your Name
MORE INFO http://www.bcsalliance.com/sample-credit-repair-letters-11.html
To Creditor, Ask Creditor to Remove Student Loan Late Pays
To Creditor, Ask Creditor to Remove Student Loan Late Pays
Date
Loan Company
Address
City, ST Zip
Re: Account of ___________________; Account No. ______________________
Dear Sir/ Madam:
I am writing this letter to request that the late payment notations you placed on my credit report be removed. Although I admit that these late payment notations are true and accurate, I am hoping that you will agree to remove them since they are hampering my ability to get credit (or employment, etc.).
When I made these late payments, I did not appreciate the gravity of what I was doing. I was young and immature and did not realize how negatively paying late when impact my credit rating. I now understand how important it is to pay on time each month and maintain an excellent credit rating. As my payment record shows, I have paid on time for the past year and plan to continue doing so in the future.
I understand that you are in no way obligated to remove the late payment notations and that they can remain on my credit report for seven years. But I am hoping that you will consider removing them a bit earlier. Thank you for your time and consideration.
Sincerely,
Your name and contact information
Sample Letter 28: To Regulatory Agency, Request Help Regarding Student Loan Notations
Date
Student Loan Default Prevention Department
State of _______________
Address
City, ST Zip
Re: Student Loan of _________________, SSN ____________________
Dear Sir or Madam:
I am writing this letter to you to find out if you can assist me in a problem I am having regarding my credit rating and the related late payment notations that appear on my credit report.
My credit score is very low as a result of the student loan late payment notations (or default notation) and I am certain it is preventing me from winning a job offer with a company that pays a decent salary. I believe this is true because the ten companies I have interviewed with the last several months are very enthusiastic about hiring me until I give them permission to look at my credit report.
Although I am now current on my student loans, they are eating up a huge part of my monthly income and more and more I do not have enough funds to pay for the necessities of life. I need to find a better job so I can more comfortably afford to keep paying my student loans. I believe that I am headed for a default sometime in the near future if I cannot find a higher paying job soon. I don't believe I am going to be able to find a better job so long as these negative notations remain on my credit report.
I have tried to get (name of company), the company servicing my student loan, to remove the negative notations, but they refuse. Is there anything you can do to help me get them removed? Perhaps you could ask (name of company) to remove them so that I can avoid a future default? Thank you for your time and any assistance you can provide me in resolving this matter.
Sincerely,
Your Name and contact information
MORE INFO VISIT http://www.bcsalliance.com/sample-credit-repair-letters-13.html
To Student Loan Company, Student Loan Was in Deferment
To Student Loan Company, Student Loan Was in Deferment
Date
Certified Mail No. ________________________
Return Receipt Requested
Student Loan Company
Address
City, ST Zip
Re: Account of ___________________; Account No. ______________________
Dear Sir/ Madam:
I recently ordered a copy of my credit report and discovered that you have placed 30 and 60-day late payment notations on my student loan accounts.
I have attached a copy of a student loan deferment form (or unemployment form) signed and dated by a representative of your company. This form clearly shows that this loan has been in deferment status since (date) and that the late payment notations are in error.
I am requesting that you immediately remove these late payment notations from my credit report as they are causing me grievous harm, not only in my ability to obtain financing, but in my ability to obtain employment.
I am also requesting that you inform me in writing when you have updated this information with the credit bureau(s) to whom you subscribe and provide me with an estimate as to when these notations will be deleted from my credit report. Thank you for your immediate attention to this matter.
Sincerely,
Your name and contact information
attachment
Sample Letter 26: To Creditor, Request Removal of Student Loan Late Pays
Date
Student Loan Servicer
Address
City, ST Zip
Re: Account of ___________________; Account No. ______________________
Dear Sir/ Madam:
I recently ordered a copy of my credit report and discovered that late payment notations appear on my student loan accounts serviced by your company.
Although I was delinquent in the past on my student loans, I am trying to keep current. It is difficult for me to do this at my current salary. I have been trying to find a higher paying job, but employers with whom I interview lose all interest in hiring me soon after I give them permission to pull my credit report. I believe I am losing out on employment opportunities as a result of the student loan late payment notations on my credit report.
Although I understand that these negative notations can remain on my credit report for up to seven years, I am requesting (and hoping) that you will remove the negative notations as soon as possible as they are hindering my ability to find employment. Thank you for your time and consideration.
Sincerely,
Your name and contact information
MORE INFO VISIT http://www.bcsalliance.com/sample-credit-repair-letters-12.html
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