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Requesting the Removal of Inaccurate Information - Credit Dispute Letter, Disputing Negative Items on Report


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Another Letter to Request the Removal of Inaccurate Information - Sample Letter 5

This is a shorter version of a letter you can send to the credit bureaus to request 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.



Date

Your Name
Your Address
City, State Zip

Credit Bureau
Bureau Address
City, State Zip

Dear Credit Bureau,

I've just reviewed my credit report and have noticed there are several inaccurate items on my report:

Chase VISA Acct: xxxxx-xxxxx-xxxx-xxx:
This account is listed as being 30 days late. I have never been late on this account.

Sears Acct: xxxxx-xxxxx-xxxx-xxx:
This account is listed as being 30 days late. I have never been late on this account.

Universal Acct: xxxxx-xxxxx-xxxx-xxx:
This account is listed as being 30 days late. I have never been late on this account.

In addition, there are a number of credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed:

Diner's Club Acct: xxxxx-xxxxx-xxxx-xxx:
GE Consumer Card Acct: xxxxx-xxxxx-xxxx-xxx:
Macy's Acct: xxxxx-xxxxx-xxxx-xxx:

I have enclosed a copy of my driver's licence as proof of identity.

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, click here.

For other credit repair tips, try our credit repair kit. We have other sample letters to handle a variety of credit situations. Here is the list.

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