Credit Repair Letter Sample For Credit Report Disputes
May 31, 2009 by Guest Author
Filed under Credit Repair
Credit Repair Letter Sample / Credit Report Dispute Letter
Once you order your free annual credit report, be sure to check it carefully. It is very common to find errors, or outdated information in your credit reports. For instance, any late payment information should only stay on your credit report for 7 years. If you find any records that are more than 7 years old, you can ask the credit report agency to remove it.
You can find many sample credit report dispute letters online. Be very careful when you use them. Make sure you do not copy and paste them word for word. If you use a sample letter that is flowing around online and being used by many many people, credit report agencies would recognize the letter and they can reject your credit dispute because they think it is frivolous.
Here is a sample credit repair letter you can use. Make sure to change it around to fit your situation. Also, don’t forget to include a copy of your credit report when you send the letter to the credit report agencies with the inaccurate records circled.
Date
Your Name
Your Address
Your City, State, Zip Code
Complaint Department
Name of Company
Address
City, State, Zip Code
Dear Sir or Madam:
I am writing to dispute the following information in my file. The items I dispute also are circled on the attached copy of the report I received.
This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or request another specific change) to correct the information.
Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents) supporting my position. Please investigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.
Sincerely,
Your name
Enclosures: (List what you are enclosing)
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