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Is this letter to simple?


Ohgeez
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I've got a Capital One Bank account that is showing up differently from all three CRAs.

TransUnion has this on the PAY STATUS: >120 Days Past Due< and shows a date closed of 08/2001.

I clicked on the SAMPLE LETTERS link above and saved a few. Is this too simple to send along? Will I actually get a response on this?

To Whom it May Concern:

Steve S.

SSN XXX-XX-XXXX

Address: 1 E. Any Street, Anytown, USA

(Current address for last 5 years)

DOB: 1/1/00

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,

Steve S.

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The BIGGEST drawback with disputing with Trans Union is that they are trigger happy in deleting positive accounts...

They have zapped five of mine.... I have only managed to get one restored... And TU won't budge with the other four even though the creditors have tried numerous times to get it reinserted...

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