Credit Report Dispute Letters

Credit Repair Dispute Letters with the 3 Credit Bureaus

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Credit Repair Dispute Letters with the 3 Credit Bureaus
Credit Repair Sample Letters for Your Creditors
Letters To Collection Agencies

Name
Address
Date
 
Dear Credit Bureau,
 
This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.
Recently, I've been denied in my application for (state type: mortgage, car loan, credit card, health insurance, employment) in (state name of company). Upon closer look, this was due to inaccurate information on credit report; mine.
 
I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows:
 
(List details of the inaccurate information here)
(Creditor Agency), Acct. 199-2999-RRR
 
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How do I Remove Negative Credit History?
Direct to the point and concise, clean your credit history by requesting for the removal of the dubious negative items on your report. This letter is intended for the credit bureaus if you want a milder tone compared with dispute letter #1.
 
Name
Address
Date
Dear Credit Bureau,
 
Upon receiving the latest copy of my credit report and reviewing it, the following inaccurate information should be removed from my credit history:
 
(Creditor 1) Acct: 99999-88888-7777-551
 
The report says I'm late on this account for several days. This is not correct. I have never been late on this account. [Note: please provide the reason that applies to your situation. This reason is just a sample on how to remove negative credit history and should not be taken as set in stone.]
(Creditor 2) Acct: 99999-88888-7777-552
 
The report says (mention second reason for inaccurate reporting). This is not the case. The fact is (mention what is the right information. Be sure to have supporting proof for any of your claims.)
Additionally, several negative items on my credit history are inactive for more than 7 years. The FCRA provides for the removal of negative credit history items that are more than 7 years old. Please also remove the following from my credit report:
 
(Creditor 3) Acct: 99999-88888-7777-553
(Creditor 4) Acct: 99999-88888-7777-554
(Creditor 5) Acct: 99999-88888-7777-555
 
Attached is a copy of my driver's license.
Sincerely,
 
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Potent Credit Bureau Dispute Letter When You're Ignored.  If your dispute letter with a milder tone did not work and/or when any of the credit bureaus have not responded in the right manner at the right time, then you'll probably need a forceful follow-up. In case you have forgotten to send your first dispute letter via registered or certified mail, or have mistakenly sent it via email or ordinary mail, use this template to correct your mistake.
 
Credit Bureau’s Authorized Agent Name
Credit Bureau’s Address
Date
 
RE: Dispute Letter of (date of previous letter)
Dear(Credit Bureau),
 
This serves as a formal notice for legal purposes.
You have failed to respond to my (credit bureau) dispute letter which I have sent via registered mail. For credit report dispute letters, federal law requires a 30-day response time from credit bureaus. For the record, I have attached a photocopy of the US Postal Service return receipt that you have signed.
 
More than 30 days have passed since you've received my dispute letter via registered mail. This prescriptive period is provided for in the Fair Credit Reporting Act. Moreover, the FTC is mandated by law to investigate violations of the same.
 
Please correct this oversight. I would greatly appreciate it if you immediately deleted the erroneous item detailed below:
(Creditor), acct. 299-3999-PRS
 
Sincerely,
Your Name,
Your Address,
City,State,Zip
 
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Sample Dispute Letter Escalated to Notice of Lawsuit. This is a sample letter notifying the credit bureau that you are filing a lawsuit against the company. This dispute letter is intended for an identity theft situation so please modify it to fit the specifics of your individual case.
 
Date
 
Credit Bureau’s Authorized Representative Name
Credit Bureau, Address, City, State,Zip
RE: Your Social Security Number
Dear Credit Bureau XYZ,
 
Attached is a copy of my lawsuit with the following summary of details:
Pretrial Conference: (Date, time, location)
Case Number: 19999-299-3999
Orange County (sample county court of sample dispute letter)
Date Filed: 08 March 2013 (sample date)
 
Since I am having great difficulty in getting appropriate responses from you within the prescribed time as required by law, I have filed the above lawsuit against your company.
 
As an identity theft victim, I have requested the removal of negative items that are not mine on my credit report. After contacting all creditors on the anomalous listings and challenging these false items, none of them provided proof that I did incurred those debts.
 
I have asked these creditors in writing via registered mail for proof that I indeed was their customer such as any receipt, contract or other instrument that I have signed. So far, after more than 90 days, I have not received any proof. I have likewise sent follow-up dispute letters (sample also attached) but still, I got the same result; nothing.
 
Likewise, I have tried phone follow-up. I only got transferred from one customer service representative to another. I've spent most of my time listening to call waiting tunes and pre-recorded generic messages instead of talking with a live person and yet still, nothing.
 
Based on the above circumstances, estoppel by silence allows for the presumption that no such proof on my alleged debt exists nor the existence of such debt [Wiser v. Lawler, 189 U.S. 260 (U.S. 1903)]. It is the obligation of these creditors and/or your company to provide those appropriate proofs but you have not done so after so much effort on my part. On the pretrial conference, I will bring with me the certified true copies of several actual dispute letters (not just a sample dispute letter) that I have sent including proof of notice and/or receipt of those via registered mail.
 
Please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items cannot be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed.
 
Your responses in writing claim to have "verified" the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient.
 
You may contact me before the pretrial conference on this phone number: 999-9999-9999 [this is just a sample dispute letter phone number please insert yours] or at my address.
 
We can settle this matter if you agree to remove the false and/or inaccurate information that is/are reflected on my credit report and on my file at your database. I would appreciate a response in writing and hand signed by you or your authorized representative(s) which I should receive in a timely manner before the pretrial conference.
 
The items to be removed from my credit report are: (list all accounts and account numbers below.)
 
If your response will be the same debt information "verified" letter, then we will proceed with the pretrial conference. I will ask the court for the removal of the false and/or inaccurate information from my credit report. I will also pursue the full judgment allowed by law against Credit Bureau XYZ for defamation and violations on the several provisions of the Fair Credit Reporting Act.
 
Your written response will be greatly appreciated and hopefully, we can settle this matter without a court battle in Orange County (sample county court of sample dispute letter).
 
Sincerely,
Your Signature
Your Name SSN# 299-39-4999.
Your Address, City, State, Zip
 

Credit Report Dispute Letters