Bankruptcy Letter to CRA's

[sisflomi]

Name

Address

SS#

DOB

Credit Bureau

Address

RE: Accounts reporting wrong

Account Name Account#

Date

Dear Credit Bureau:

This letter is a formal complaint that you are reporting inaccurate credit information on my credit report. The above referenced accounts were included in my bankruptcy and are instead showing as charge offs, past due, or as late pays. The incorrect listings are lowering my credit score unnecessarily, and it is also preventing me from purchasing a home.

Please correct your records to display the proper listings of the above accounts to show as included in bankruptcy with $0 balance. Federal Bankruptcy law states that I am entitled to a fresh start. Please make sure these accounts show nothing more than Included in Bankruptcy with a $0 balance, so that I may have the fresh start that I am entitled to.

I have included a copy of the bankruptcy schedule that shows these accounts as proof. I have also enclosed a copy of my driver’s license and utility bill showing my correct address and name.

Sincerely,

Name

Enclosure

[sisflomi]

Adding disclaimer, only use this as last resort when you just can't get the cra or oc to report correctly and you really need to get a loan with the best rates.