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Credit Letters
Letter No. 1
Date
Your Name
Your Address
Your Social Security Number
Your Date of Birth
TO: T.R.W. (or) TransUnion (or) Equifax
(Addresses are provided on page 3)
To Whom It May Concern:
Recently I received the enclosed denial for credit notice
which was based, at least in part, on the information you
provided in regards to my credit profile. I am requesting
that you submit to me a full copy of my credit report along
with any special instructions I may need in order to
understand that report. It is my understanding that
according to The Fair Reporting Act that there is no charge
for this service based on the denial. I have maintained a
copy of the denial notice as well as this request for my
files.
Thanking you in advance for your prompt attention to this
matter.
Sincerely,
(signature)
Your full name
Enclosure
Letter No. 2
Date
Your Name
Your Address
Your Social Security Number
Your Date of Birth
TO: T.R.W. (or) TransUnion (or) Equifax
(Addresses are provided on page 3)
To Whom It May Concern:
Enclosed you will please find the required fee for me to
obtain a copy of my credit report as it is maintained by
your agency. At the time you submit my credit report to me
at the above address, instructions or guidelines on how to
properly interpret the report are also requested.
Your prompt attention to this request is greatly
appreciated. The remittance in the form of a money order
instead of a personal check should assist you in a speedy
reply.
Thanking you in advance.
Sincerely,
(signature)
Your full name
Enclosure
Letter No. 3
Date
Your Name
Your Address
Your Social Security Number
Your Date of Birth
TO: T.R.W. (or) TransUnion (or) Equifax
(Addresses are provided on page 3)
To Whom It May Concern:
Recently I have reviewed my credit profile as reported by
your agency and noticed that there are some items which are
incorrectly reported. A copy of my credit report is
attached with each discrepancy numbered. The objections to
these items are stated below.
I have full knowledge of The Fair Credit Reporting Act
as well as my rights as a consumer. Please review my
credit profile and delete the items mentioned below.
1. VISA: This account should read as current and not a
chargeoff. I have never been past due on this account.
2. FORD MOTOR CREDIT: This account is not a repo. My
father has the same name as I do with the exception of the
Jr. Perhaps the files are mixed up due to the similarity in
names. I have never been late with my payments to Ford
Motor Credit.
3. RECOVERY SERVICES U.S.A.: I have never been notified
that I had an item in collections. Collection law states
that a collection agency must give me an opportunity to
dispute or pay a debt prior to it being reported.
Thanking you in advance for your prompt attention to this
matter.
Sincerely,
(signature)
Your full name
Enclosures
Letter No. 4
Date
Your Name
Your Address
Your Social Security Number
Your Date of Birth
TO: T.R.W. (or) TransUnion (or) Equifax
(Addresses are provided on page 3)
To Whom It May Concern:
Recently I wrote you in regards to erroneous reportings on
my credit file. At that time I enclosed a copy of my credit
report as well as a written explanation of the items that
were incorrect. To date I have received no response from
your office in regards to this urgent matter. The Fair
Credit Reporting Act allows you ample time to review my
report as well as make any corrections. Again, I am
enclosing a copy of my credit report as well as a copy of my
initial correspondence to you that describes in detail my
disputes.
I, respectfully, request you give extra care to this matter
as it is vital. As you are surely aware, credit is
important in today's world and I feel that I deserve to have
the courtesy of correct reporting.
Thank you for your attention to this matter.
Sincerely,
(signature)
Your full name
Enclosures
Letter No. 5
Date
Your Name
Your Address
Your Social Security Number
Your Date of Birth
TO: T.R.W. (or) TransUnion (or) Equifax
(Addresses are provided on page 3)
To Whom It May Concern:
I am in receipt of your letter in regards to the
investigation of erroneous reportings to my credit profile
and I must strongly disagree with your findings. You
obviously have not verified the legitimacy of these
reportings. In accordance with The Fair Credit Reporting
Act if a company is not able to prove the account was
delinquent in a certain amount of time, you must remove it.
Again, I am enclosing a copy of my credit report as well as
a copy of my original letter listing my disputes.
I anticipate the arrival of my corrected credit report
shortly. I appreciate your cooperation in this matter.
Sincerely,
(signature)
Your full name
Enclosures
Letter No. 6
Date
Your Name
Your Address
Your Social Security Number
Your Date of Birth
TO: T.R.W. (or) TransUnion (or) Equifax
(Addresses are provided on page 3)
To Whom It May Concern:
In accordance with The United States Congressional Code,
Title 15, Par. 1681, Page 946, if after reinvestigation of
the credit profile, such information is found to be
inaccurate or the creditor cannot prove incorrectly reported
information, you shall promptly remove and delete such
information. I say this because after corresponding with
you for quite some time and supplying you with numerous
copies of my credit report and a list of disputes, you are
still incorrectly reporting items on my credit profile.
Enclosed you will find, for the last time, another copy of
these items. If you do not act in accordance with the law
and delete these items from my credit profile, I will be
forced to ask my attorney to step in and assist me in this
matter.
Your cooperation is greatly appreciated and anticipated.
Sincerely,
(signature)
Your full name
Enclosures
Letter No. 7
Date
Your Name
Your Address
Your Social Security Number
Your Date of Birth
TO: T.R.W. (or) TransUnion (or) Equifax
(Addresses are provided on page 3)
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