NEE INPUT ON CRA LETTER

[rodeomom]

Could you please provide your input/proofing on this letter.

I am new at this, and prone to insecurity crisis easily

rodeo mom

[rodeomom]

See what I mean , brain farts again

here is letter

My name

Address

(do I add ss # and driver license? Do I send copies of these)

Experian

Date:

Dear Experian:

This letter is a formal complaint that you are reporting inaccurate credit information on my credit report.

I am very distressed that you have included the information noted below in my credit report due to its damaging effects on my good credit standing. As you no doubt are aware, credit reporting laws ensure that bureaus report only accurate credit information. Therefore, 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 charged higher insurance rates and interest rates, which is causes a great financial hardship for me in the current economy, as well as a great deal of embarrassing and negative stressors on my lifestyle.

The following information, therefore, needs to be verified and deleted from the report as soon as possible:

Ok, here is where I have uncertainity. Do I just name each oc/ca and acct. # as not mine? Or how.

Also, have pers. Info to dispute such as my name is commonly misspelled and mutl. Address. Should I leave out add disputes at this time , does name dispute tie to oc/ca and acct not mine?

These disputes regard a pending financial transaction, please rush processing, and forward and updated copy of my credit report to me as soon as possible.

Note: I alone wrote this formal complaint in its entirety. I had no assistance from a 3rd party, such as a credit repair clinic; therefore, you are obligated under the Fair Credit Reporting Act to fully investigate these consumer disputes.

Sincerely,

me

[anti-something]

sometimes just calling them and asking them to delete bad names and addresses is a faster way of geting those deleted. but make sure you say you never lived there.

as to the letter, i will let others input on that, the only way i have disputed stuff is on the forms they send out.

[Ravenous Wolf]

My personal opinion is that I don’t like vague ambiguous letters that hog up a whole paragraph but don’t really say anything except for:

Needs to be verified and deleted.

I know lots of letters use that format and have gotten success off of it but really, what does it say other than fluff and the vague statement of:

Verify and delete

You should have a direct statement in the beginning with words like

Incorrect

Inaccurate

Erroneous

Faulty

Flawed

Wrong

False

And then you need to toss in other words like:

Misidentifying

Misleading

Misstating

Misconstruing

Misrepresentative

You need to fire off something clear and direct in the beginning instead of writing a love letter:

------

The following credit item is incorrect, inaccurate and wrong and needs to be removed from my credit report as soon as possible:

[Account Name] [Account Number]

The misidentifying misleading trade line is erroneous and false and does not belong to me.

------

Now add a few reasons to “why” this should be deleted.

As you can see, there are plenty of variations that you can write into this. It isn’t a love letter and it gets right down to the point.

There is no fluff and you take away the vagueness and the ambiguity when you start adding a bit of detail on “why” this should be deleted.

[tropicaljo]

Altho he put it a little more harsh than I would have, Ravenous Wolf is right. You need to be as short and specific as possible...so you don't confuse the easily confused CRA employees!