Credit
Repair Letters
Select the Letter you would like to see:
Letter
#1
Date:
Address:
Re:
Request For Credit Report
To whom
it may concern:
Please
send me a copy of my credit report.
Enclosed
is $8.00 as payment for the credit report.
Sincerely,
Name
Address
Social
Security Number
Letter
#2
Date:
Address:
Re:
Letter to Delete Inaccurate Credit Information
To whom
it may concern:
I received
a copy of my credit report and found the following item(s)
to be errors. See attached copy of credit report, errors
have been high-lighted. Here I have explained which items
are in error:
By the
provisions of the Fair Credit Reporting Act of 1996, I demand
that these items be reinvestigated and deleted from my report.
Please
promptly delete inaccurate information from my file. Also,
in compliance with the Fair Credit Reporting Act of 1996,
please notify me when the items have been deleted.
Please
send an updated copy of my credit report to the below address.
According to the act, there should be no charge for this
updated report.
Sincerely,
Name
Address
Social
Security Number
Letter
#3
Date
Name
of Reporter
Address
of Reporter
Account
Number
RE:
Confirmation letter.
Dear
Name of Reporter:
I would
like to confirm our telephone conversation on (date) at
(time) with (name of person spoken to at company) as to
the settlement of above stated account.
As discussed,
I will pay your company the amount of $ as payment in full
for the settlement of this account. Upon receipt of the
above payment, your company has agreed to change the entry
on my credit file to "never late, always on time"
In addition, any negative credit information concerning
my account, such as "past due" or "charge
off" should be deleted from my report.
If you
agree to these stated terms and conditions, please acknowledge
with your signature and return a copy to me.
Upon
receipt of this signed acknowledgment, I will immediately
mail you funds in the amount stated above.
Name
of company
Signature
of company officer
date
Printed
name of company officer
Sincerely,
Name
Address
social
security number
Letter
#4
Date:
Address:
Re:
Request for Account Update
To
whom it may concern:
Please
note that in accordance with the Fair Credit Reporting Act
of 1996 you are required to delete obsolete information
from my credit report.
Please
refer to the information high-lighted on the attached copy
of my report. It is obsolete and should be deleted immediately
from my credit files.
Also,
I am entitled to notification that the items have been deleted.
Please send an updated copy of my credit report to the below
address. I anticipate your immediate attention to this matter.
Sincerely,
Name
Address
Social
Security Number
Letter
#5
Date:
Address:
Re:
Consumer Statement Addendum
To
whom it may concern:
According
to the Fair Credit Reporting Act of 1996, I have the right
to enter a "consumer statement" to my credit report.
I
have disputed the accuracy of the items high-lighted on
the attached credit report. Since reinvestigation has not
resolved my dispute, I want the following statement included
in my credit report.
This
will explain fairly and clearly the nature of the dispute.
I will assume that 30 days represents a reasonable time
for performing this update.
According
to the Fair Credit Reporting Act of 1996, please send me
a free updated copy of my credit report with the above statement
included.
Sincerely,
Name
Address
Social
Security Number
Letter
#6
Date:
Address:
Re:
Request For Addition of Credit Information
To
whom it may concern:
Please
include in my credit report the additional information attached.
According
to the Fair Credit Reporting Act of 1996, I am permitted
to add relevant credit history to my credit report. This
will more fairly reflect my consumer and payment history.
Therefore, I request that you add the enclosed payment history
to my credit files.
Thank
you for your attention.
Please
inform me within 30 days that the additional credit information
has been included by sending my updated credit report to
my address below.
According
to the Fair Credit Reporting Act of 1996, "A consumer's
credit report should reflect completeness and accuracy within
a reasonable time after notification by the consumer."
Sincerely,
Name
Address
Social
Security Number
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