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LETTERS.ASC
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1991-10-19
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LETTER TEMPLATE #1
TO REQUEST A CREDIT REPORT - YOU WERE DENIED CREDIT
YOUR NAME
ADDRESS
CITY, STATE ZIP
CREDIT BUREAU NAME
STREET
CITY, STATE ZIP
Date:
RE: Request for credit report.
To Whom It May Concern,
Please produce a credit report for the purpose of review and return to:
Name: Last: First: Middle:
Mailing Address:
Current Address:
of Residence:
Previous Address
of Residence:
Social Security Number: Date of Birth:
I have not enclosed a fee for the report because I have been turned
down for credit in the last 60 days by:
I certify that I am the person named above and that I am submitting
this request for my own review.
Signed __________________________________
LETTER TEMPLATE #2
TO REQUEST A CREDIT REPORT - YOU WERE NOT DENIED CREDIT
YOUR NAME
ADDRESS
CITY, STATE ZIP
CREDIT BUREAU NAME
STREET
CITY, STATE ZIP
Date:
RE: Request for credit report.
To Whom It May Concern,
Please produce a credit report for the purpose of review and return to:
Name: Last: First: Middle:
Mailing Address:
Current Address:
of Residence:
Previous Address
of Residence:
Social Security Number: Date of Birth:
I enclose the fee of for the above requested credit report.
I certify that I am the person named above and that I am submitting
this request for my own review.
Signed __________________________________
LETTER TEMPLATE #3
FIRST CHALLENGE OF NEGATIVE ENTRY THAT BELONGS TO YOU.
YOUR NAME
ADDRESS
CITY, STATE ZIP
CREDIT BUREAU NAME
STREET
CITY, STATE ZIP
Date:
RE: Submission of dispute and request for verification.
To Whom It May Concern,
Pursuant to my rights under the Fair Credit Act I hereby challenge the
credit report entry as noted below as it pertains to:
Name: Last: First: Middle:
Mailing Address:
Current Address:
of Residence:
Previous Address
of Residence:
Social Security Number: Date of Birth:
Credit Report Date:
Entry I dispute: issued by
Please return a supplement to the report of the above date stating that
you have or have not obtained verification as to the accuracy of the
credit report entry in question.
Should verification not be provided you within 30 days I fully expect
such entry to be permanently deleted and no mention made of it henceforth.
Sincerely,
LETTER TEMPLATE #4
FIRST CHALLENGE OF NEGATIVE ENTRY THAT DOES NOT BELONG TO YOU.
YOUR NAME
ADDRESS
CITY, STATE ZIP
CREDIT BUREAU NAME
STREET
CITY, STATE ZIP
Date:
RE: Request for verification.
To Whom It May Concern,
I am requesting that the item listed below be immediately investigated.
This account does not belong to me.
This credit report does not accurately reflect by true credit history
and is therefore extremely injurious to me.
Name: Last: First: Middle:
Mailing Address:
Current Address:
of Residence:
Previous Address
of Residence:
Social Security Number: Date of Birth:
Credit Report Date:
The following does not belong to me:
issued by
Please return a supplement to the report of the above date that reflects
the result of your investigation.
Should verification not be provided you within 30 days I fully expect
such entry to be permanently deleted and no mention made of it henceforth.
Sincerely,
LETTER TEMPLATE #5
CHALLENGE OF A NEGATIVE ENTRY THAT BELONGS TO YOUR FORMER SPOUSE.
YOUR NAME
ADDRESS
CITY, STATE ZIP
CREDIT BUREAU NAME
STREET
CITY, STATE ZIP
Date:
RE: Submission of explanation and request for verification.
To Whom It May Concern,
I am requesting that the item listed below be investigated as this
is not my account or inquiry, rather belongs to my former spouse. I
would like it removed to reflect my true and accurate credit history.
This inaccuracy is very injurious to my credit history.
Name: Last: First: Middle:
Mailing Address:
Current Address:
of Residence:
Previous Address
of Residence:
Social Security Number: Date of Birth:
Credit Report Date:
The following entry belongs to my former spouse whom I am no longer
married to. Furthermore, my former spouse caused this negative entry
to occur after our legal . Therefore, this entry should
be deleted from my credit profile.
issued by
Please return a supplement to the report of the above date stating that
a) you were advised that this entry belongs to my former spouse, and that
b) you have or have not obtained verification as to the accuracy of the
credit entry in question.
Should verification not be provided you within 30 days I fully expect
such entry to be permanently deleted and no mention made of it henceforth.
Sincerely,
LETTER TEMPLATE #6
FOLLOW UP LETTER - SUPPLEMENT REPORTS HAVE NOT BEEN SENT.
YOUR NAME
ADDRESS
CITY, STATE ZIP
CREDIT BUREAU NAME
STREET
CITY, STATE ZIP
Date:
RE: Requested investigation follow up.
To Whom It May Concern,
On I requested an investigation on an entry that
appeared on my credit report. I have not received a response from
you. The Fair Credit Reporting Act requires that you respond within a
reasonable period of time. Please do so.
Sincerely,
LETTER TEMPLATE #7
SECOND CHALLENGE OF A NEGATIVE ENTRY THAT BELONGS TO YOU.
YOUR NAME
ADDRESS
CITY, STATE ZIP
CREDIT BUREAU NAME
STREET
CITY, STATE ZIP
Date:
RE: Submission of explanation and request for verification.
To Whom It May Concern,
Even though you have conducted an investigation concerning the item
below that appeared on my credit report, I am still in disagreement
with this entry. This entry is highly injurious to my credit rating
and is not true. Please reinvestigate. Please reference my letter
submitted to you on .
Furthermore, I would like the names and business addresses of each
individual(s) with whom you verified the below, so that I may follow
up with this person(s).
Please forward to me an updated credit report after you have conducted
your investigation.
My name and address is as follows:
Name: Last: First: Middle:
Mailing Address:
Current Address:
of Residence:
Previous Address
of Residence:
Social Security Number: Date of Birth:
Credit Report Date:
I am still in disagreement with the following report entry:
issued by
Should verification not be provided you within 30 days I fully expect
such entry to be permanently deleted and no mention made of it henceforth.
Sincerely,
LETTER TEMPLATE #8
REQUEST TO DELETE OUT DATED CREDIT REPORT ENTRIES.
YOUR NAME
ADDRESS
CITY, STATE ZIP
CREDIT BUREAU NAME
STREET
CITY, STATE ZIP
Date:
RE: Request for out-dated information to be deleted.
To Whom It May Concern,
Pursuant to my rights under the Fair Credit Act I hereby request that
the out-dated entry noted below be removed from my credit profile as
it pertains to:
Name: Last: First: Middle:
Mailing Address:
Current Address:
of Residence:
Previous Address
of Residence:
Social Security Number: Date of Birth:
Credit Report Date:
Out-dated entry I wish to have removed:
issued by
I hereby request that the above entry be deleted from my credit profile
pursuant to your policy with regard to the length of time such an entry
may remain in a profile.
Please return a supplement to the report of the above date showing that
the afore mentioned entry has indeed been deleted.
Sincerely,
LETTER TEMPLATE #9
REQUEST CREDITOR TO UPDATE YOUR CREDIT REPORT AFTER DEBT IS PAID.
YOUR NAME
ADDRESS
CITY, STATE ZIP
CREDITOR NAME
STREET
CITY, STATE ZIP
Date:
RE: ACCOUNT NAME AND NUMBER
Dear
My credit rating was adversely affected by your entry to the credit
bureau that showed a past due status of my account with you. Since I
have satisfied this debt I respectfully request that you submit a
statement to the credit bureau that reflects the fact that the debt
has been paid in full.
I extend my gratitude in advance for your timely attention to this
request.
Sincerely,
LETTER TEMPLATE #10
REQUEST CREDITOR TO UPDATE YOUR CREDIT REPORT AFTER TIMELY PAYMENTS.
YOUR NAME
ADDRESS
CITY, STATE ZIP
CREDITOR NAME
STREET
CITY, STATE ZIP
Date:
RE: ACCOUNT NAME AND NUMBER
Dear
My credit rating was adversely affected by your entry to the credit
bureau that showed a past due status of my account with you. Since I
have paid the past due balance and have made regular payments on this
account as agreed, I respectfully request that you submit a statement
to the credit bureau that reflects the fact that the account is now in
good standing.
I extend my gratitude in advance for your timely attention to this
request.
Sincerely,
