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.
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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]:
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:
- [enumerate
items discussed on phone or via online chat]
- [enumerate items discussed on phone or via online chat]
- [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.
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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:
- [Insert
credit report description of disputed negative item here]
- [Insert credit report description of disputed negative item
here]
- [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.
[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.
[Insert
signature here]
Thomas D. Sample
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