Sample letter 1 - Removal of Inaccurate Information
The following is a sample letter requesting the removal of inaccurate information.
Always include any copies of proof you may have (i.e., cancelled checks showing timely
payments, paid off accounts, loans: anything that will
show the information is indeed erroneous). It never hurts to include the consequences that have resulted from this wrongful information as well.
The credit agencies give the most immediate attention to seriously wronged
consumers. Remember, they are bombarded with 10,000 letters a day.
Your Name
123 Your Street Address
Your City, ST 01234
The Credit Bureau
Bureau Address
Anytown, State 56789
Date
Dear Credit Bureau,
This letter is a formal complaint that you are reporting inaccurate
credit information.
I am very distressed that you have included the below information
in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a <insert credit type for which you were denied here>, which was highly embarrassing and has negatively impacted
my lifestyle.
optional With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be
removed ASAP.
The following information therefore needs to be verified and deleted
from the report as soon as possible:
CREDITOR AGENCY, acct. 123-34567-ABC
Please delete the above information as quickly as possible.
Sincerely,
your signature
Your Name
SSN# 123-45-6789
Attachment included.
Don't forget to provide proof if you have it! Keep a copy for your files and send the letter registered mail.
If you would like to download a copy of this file for cutting and pasting into some other text editor for your information, click here.
This letter is part of our credit repair kit. We have other sample letters to handle a variety of credit situations. Here is the list.
Do you have a question you feel we haven't answered?
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