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

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.

Don't forget to provide proof if you have it!  Keep a copy for your files and send the letter registered mail. 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.


Date

Your Name
Your Address

Credit Bureau
Bureau Address

To Whom it May Concern,

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 license and utility bill as proof of identity.

Sincerely,

Your Signature

Your Name
SSN# 123-45-6789
Attachment included



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Letters for every situation, credit disputes, debt settlement, tips on responding to lawsuits, and debt validation.

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