This required section states the names of both parties involved as well as the purpose of this letter. Press [Ctrl+F1] for more information.
This required section explains the challenged entry on the credit report and the reason for the challenge. Press [Ctrl+F1] for more information.
This required section requests a response from the company regarding your challenge and enables you to state where you may be reached. Any enclosure may also be included in this section. Press [Ctrl+F1] for more information.
Times New Roman
Arial
Challenge to a Credit Report
CHALCR
The Challenge to a Credit Report letter is used to correct an unfavorable entry in a credit report file, or at least add an explanation to the file regarding the unfavorable entry.
!!! !!!
Enter the name of the person challenging the credit report (the "Applicant") or edit the information as desired. Use the P.I. Manager to select and paste a record.
Enter the name of the Co-Applicant or use the P.I. Manager to select and paste a record.
Enter an X if the credit report being challenged is a joint credit report.
Enter the personal title and name of the contact person at the credit bureau. Use the P.I. Manager to select and paste a record. Press [Ctrl+F1] for more information.
Using the format MM/DD/YYYY, enter the date of the letter or edit the information as desired.
CCR01
Challenge to Credit ReportDear
! Opening Section (1 of 3)
[Letterhead Information - Applicant]
!, ! !
[Inside Address - Contact Person at the Credit Bureau] !
!, ! !
Re: !
! The purpose of this letter is to challenge an incorrect entry in ! credit report file.
! [Enter your own opening paragraph.] !
Enter the name of the person challenging the credit report (the "Applicant") or edit the information as desired. Use the P.I. Manager to select and paste a record.
Enter an X if the credit report being challenged is a joint credit report.
Enter the name of the Co-Applicant or use the P.I. Manager to select and paste a record.
Enter the Applicant's street address or edit the information as desired.
Enter the Applicant's extended street address or edit the information as desired.
Enter the Applicant's city or edit the information as desired.
Enter the Applicant's state/province or edit the information as desired.
Enter the Applicant's zip/postal code or edit the information as desired.
Enter an X to include the Applicant's country, if outside the United States.
Enter the country or edit the information as desired.
Using the format MM/DD/YYYY, enter the date of the letter or edit the information as desired.
Enter the personal title and name of the contact person at the credit bureau. Use the P.I. Manager to select and paste a record. Press [Ctrl+F1] for more information.
Enter the contact person's employment title or edit the information as desired.
Enter the name of the bureau where the contact person is employed or use the P.I. Manager to select and paste a record.
Enter the bureau's street address or edit the information as desired.
Enter the bureau's extended street address or edit the information as desired.
Enter the city in which the bureau is located or edit the information as desired.
Enter the state/province in which the bureau is located or edit the information as desired.
Enter the bureau's zip/postal code or edit the information as desired.
Enter an X to include the country in which the bureau is located, if outside the United States.
Enter a subject for this letter or edit the information as desired. If this field is left blank it will not be printed. Press [Ctrl+F1] for more information.
Enter a salutation or edit the information as desired. Add a colon or comma after the salutation if appropriate. NOTE: If this field or the following field is left blank, they will not be printed; this feature allows you to customize the name and greeting.
Enter the name of the contact person or edit the information as desired. You may modify the information without affecting earlier data. Use the P.I. Manager to select and paste a record. Add a colon or comma after the name if appropriate.
Enter an X to include a program-supplied opening paragraph stating the reasons for this letter. Press [Ctrl+F1] for more information.
Enter an X to compose your own opening paragraph stating the reasons for this letter.
Use this space to compose a detailed explanation of the reasons for writing this letter.
CCR02
! Body Section (2 of 3)
Enclosed is a copy of the credit report file that was obtained from your office. The challenged portion of the report has been marked.
[Enter your own explanation.] !
Enter an X to include a program-supplied paragraph stating that a copy of the credit report with the challenged portion(s) marked is enclosed. Press [Ctrl+F1] for more information.
Enter an X to compose your own paragraph explaining the challenged entry on the credit report and the reason for the challenge.
Compose your own paragraph explaining the challenged entry and the reason for the challenge. For example, "This item is being challenged because I do not have an auto loan with First Bank and Savings."
CCR03
Sincerely,Copy to:&
! Closing Section (3 of 3)
! Your efforts in investigating this matter would be appreciated. Please respond at your earliest convenience regarding the results of your investigation.
! [Compose your own closing paragraph.] !
If you have any questions or need additional information, please contact ! at the above address.
! ! can also be contacted by phone at
! extension !
! or
! !
! extension !
! A fax can be sent to !.
! [Optional attachment, enclosure, and carbon copy lines]
Enter an X to include a program-supplied sentence requesting that the credit bureau investigate your challenge and contact you with the results of their investigation.
Enter an X to compose your own closing paragraph requesting that the credit bureau investigate and resolve the problem.
Use this space to close the letter.
Enter an X to request that the Applicant be contacted by mail, phone, and/or fax.
Enter an X to include phone numbers where the Applicant can be reached.
Enter an X to include a phone number at which the Applicant can be reached during non-business hours.
Enter a non-business phone number or edit the information as desired.
Enter an X to include a phone extension number.
Enter a phone extension number or edit the information as desired.
Enter an X to include a phone number at which the Applicant can be reached during business hours.
Enter a business phone number or edit the information as desired.
Enter an X to include a fax number.
Enter a fax number or edit the information as desired.
Enter a closing or edit the information as desired.
The program completes the name of the Applicant by transferring the information from a previous section. You may modify the information only by returning to that section.
The program completes the name of the Co-Applicant by transferring the information from a previous section. You may modify the information only by returning to that section.
Enter an X to include a listing of attachments, enclosures, or copies. Press [Ctrl+F1] for more information.
Enter a copy/enclosure notation or edit the information as desired. For example, "Attachment", "Enclosures", or "Copy to:".
Use this space to enter corresponding information. For example, a description of the enclosure(s) or the name of a party receiving a copy. Press [Ctrl+F1] for more information.
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