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

Unauthorized Credit Check Dispute Letter: Remove Inquiry.

This is a letter to a creditor requesting the removal of an unauthorized credit inquiry filed on your credit report. This serves to challenge the creditor as to whether prior permission to inquire on your credit was obtained.

Name
Address
Date
 
Re:Unauthorized Credit Checkon my Credit Report
 
Dear (name of company violating your right),
 
My latest credit report from Credit Bureau XYZ shows that your company has made an unauthorized credit check. Credit reporting laws do not allow such inquiries to be reflected on my credit report without prior written permission from me.
To the best of my knowledge, I have not authorized you to do so. If you have a copy of my written permission, please send me a copy so I can verify. If this is an identity theft situation, I would like to stop it as soon as possible.
If you do not have my written permission, please remove this unauthorized credit check immediately. I have sent this letter via registered mail in case a formal escalation becomes necessary in a court of law.
When you have removed this unauthorized credit check, please send me written proof of such removal. I look forward to your prompt cooperation in this serious matter which is threatening the quality of my life.
 
Sincerely,

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Late Payments on Credit Report: Credit Restoration Letter.

This is a sample of a letter you can send to a creditor when you've been a good customer in the past, but have been late on a payment due to unforeseen circumstances.

Creditor Supervisor
Creditor Name
Address
Date
 
Re: Highly probable late payments
 
Dear [insert creditor supervisor here]:
 
Hi there and good day!
 
I spoke with you via [phone | online chat] last [insert date here]. Because [I lost my job | I am in the military and will be deployed overseas for several months | automatic payments are not possible], it’s highly likely that I will be late on my payments.
 
Per [our phone conversation | the transcript of our online chat], you agreed to help me on this matter in the following manner:
  1. [enumerate items discussed on phone or via online chat]
  2. [enumerate items discussed on phone or via online chat]
  3. [enumerate items discussed on phone or via online chat]
I’ve sent you this letter via certified mail to say thank you very much. I greatly appreciate your help and look forward to being right on track again as a good paying, reliable and responsible customer.

Respectfully yours,

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FCRA Rules on Removing Negative Information From Credit Report. The following is an example of a letter sent to an original creditor to request an investigation into their payment records. This would be sent after receiving correspondence from the credit bureaus that negative listings have been "verified".

Remove Negative Credit Information – Military Personnel
Name of Supervisor
Credit Card Issuer or Bank
Address
Date
 
Re: Active Duty Military Serviceman Adverse Report
 
Dear [insert supervisor name here]:
 
I have ordered and recently received my credit reports from [Experian | TransUnion | Equifax]. I was surprised to see adverse reports. Because of negative information from my creditors which includes your company, my creditworthiness has suffered tremendously.
 
I have highlighted the negative credit marks that originated from your company during my active duty and have enclosed the adverse reports as attachments. These negative items are identified and listed as follows:
  1. [Insert credit report description of disputed negative item here]
  2. [Insert credit report description of disputed negative item here]
  3. [Insert credit report description of disputed negative item here]
 
 
I have likewise attached the printed transcript of our online chat where I have highlighted your assurances that you will help me on this matter.
Although I was not able to place an active duty alert as provided for in the
 
FCRA due to the urgency of my active duty service, I would really appreciate it if you immediately removed the negative credit marks that I have highlighted on my credit reports such as late payments among other items.
 
Prior to my military deployment, you can see from my credit history that I have always paid on time. Moreover, the SCRA of 2003 provides for several forms of financial protection for military personnel who are serving our country. Sometimes military personnel like us get relocated in places where it is really impossible to attend to these things due to war stress or technical and security issues in telecommunications.
 
I look forward to your kind consideration and cooperation.
 
Respectfully yours,
 
[Insert signature here]

Thomas D. Sample
Enclosures or Attachments:
Printed Copy of Online Chat dated: [insert date here]
Experian Credit Report with highlighted negative items
TransUnion Credit Report with highlighted negative items
Equifax Credit Report with highlighted negative items
Removing Negative Credit Marks Beyond FCRA Statute of Limitations
 
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Name of Supervisor
Collection Agency
Address
Date
 
Re: FCRA Statute of Limitations Excessive Period Violation
 
Dear [insert supervisor name here]:
 
I was surprised that my credit reports from [Experian | TransUnion | Equifax] which I have received recently showed a debt which was more than seven years old from the date of delinquency. This excessive period is certainly beyond the timeframe that the FCRA allows. I want this negative credit information removed as soon as possible within the timeframe set by law.
 
The details of this stale debt are as follows:
 
[Describe details here as worded in the credit reports].
 
I have enclosed a photocopy of the letter from [insert original creditor name here] showing when the account became delinquent as well as a copy of each credit report from [Experian | TransUnion | Equifax] where I have highlighted each negative credit information that I am disputing.
I am fully aware that creditors can remove negative credit information such as these as provided for in the FCRA. I have sent this dispute letter via certified mail in case you fail to act on my dispute.
I look forward to your prompt cooperation.
 
Respectfully yours,
[Insert signature here]
Thomas D. Sample

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Credit Report Dispute Letters