Who says you have to stay imprisoned
to bad credit? The truth is that no one has to remain under the control of a bad
credit report. You have rights to make a change that will affect the way in
which you life. Backed by the Fair Credit Reporting Act, you can address and
dispute items being reported on your credit report that are outdated,
inaccurate, and erroneous. The key in getting things done is to follow the
rules. Because credit bureaus get upwards to 10,000 such inquiries and disputes
every day, you can use credit repair letters to get your credit corrected.
The key is using credit repair letters that state the facts and not much more.
By keeping to a specific format, your letter will be read and the dispute
handled quickly and efficiently. If you do not follow certain rules and
strategies of credit repair letters, the credit bureaus also have legal rights
that allow them to return your letter unanswered or throw it away as being
“frivolous.” Therefore, we wanted to provide you with some excellent samples of
credit repair letters that you can use. All you need to do is fill in the blanks
and provide copies of any documentation supporting your claim.
Note: Our Credit
Repair Commando Automatic Dispute Letter Generator® Contains 39 pre-formatted
letters for point & click ease. Click Here to Check it out!
Credit Repair Letter – First Dispute Letter, Late Payment
Date
Name of Credit Bureau
Address
City, State, Zip Code
To whom it may concern:
In reviewing my credit report, several accounts were discovered that are
reflecting late payments, which is inaccurate. The accounts listed below have
all been paid on time. Therefore, I am requesting an immediate investigation of
these accounts. Additionally, I would like to have my credit report updated to
reflect the correct credit history. Under the Fair Credit Reporting Act, this
investigation and changes must be completed within 30 days of receipt of this
letter.
1.
2.
3.
When the investigation is complete, please forward a copy of the updated report
to me. Thank you for your attention to this issue.
Sincerely,
Name:
Address:
Social Security Number:
Date of Birth:
Credit Repair Letter – Outdated Information Removal
Date
Name of Credit Bureau
Address
City, State, Zip Code
To whom it may concern:
I have reviewed my current credit report and identified a number of items at are
more than seven years old. This means these items exceed the statutory time
provided by the Fair Credit Reporting Act, Section 1681c, and therefore, must be
removed. I have highlighted the specific items on the enclosed copy of my credit
report. Please remove all items immediately.
When this action has been completed, please provide me with an updated version
of my credit report. Thank you in advance for your quick response.
Sincerely,
Name:
Address:
Social Security Number:
Date of Birth:
Enclosure: Copy of Credit Report
Credit Repair Letter – Credit Denial
Date
Name of Credit Bureau
Address
City, State, Zip Code
To whom it may concern:
On (date), I applied for credit from (name of creditor) but unfortunately, I was
denied based on information listed on my credit report coming from your company.
Because of this denial, I understand that I am entitled to a free copy of my
credit report. To assist you better, I have attached a copy of the letter
received from the creditor. Your quick attention to this matter is greatly
appreciated.
Name:
Current Address:
Previous Address: (if at current address less than 7 years)
Social Security Number:
Date of Birth:
Employer Name:
Employer Address:
Spouse Name:
Kind regards,
Name:
Social Security Number:
