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To Whom It May Concern:

	I am in receipt of your notification to me that your 
investigation of the disputed items on my credit profile has 
been completed and I must strongly disagree with your 
findings.  Please provide me with the name of the individual 
that you corresponded with at each of the creditors in 
dispute as well as an address and phone number where they 
can be contacted.  A copy of the findings of your 
investigation is also requested.  I feel that if an actual 
investigation of these items had been performed, your 
findings would be much different. 

Once again I will extend you the courtesy of enclosing a 
copy of my earlier correspondence that outlines my disputes 
as well as another copy of my credit report.  Quite a period 
of time has elapsed since I first began communicating with 
you in regards to this matter, as you can see by the 
original date of my letter.  I feel that ample time has been 
provided to you in order for you to comply with the law.  
Your continued failure to disregard this matter will be 
answered by my attorney. 

Please handle this as promptly as you can.  I continue to 
appreciate your efforts in regards to this matter and look 
forward to hearing from you in the very near future. 

		Sincerely,

		(signature)

		Your full name

Enclosures



State Attorney General Letter



Date:


Consumer Protection Division
State of ________________   Attorney General's Office



To Whom It May Concern:

I am being harassed by several debt collection agencies and 
request that you immediately send to me all of the 
appropriate forms so that I may file a complaint with your 
agency about violations of the following two federal laws. 


The Fair Debt Collections Practices Act

The Fair Credit Reporting Act 

I am sure the actions of these debt collectors must be in 
violation of various state consumer protection law statutes 
as well.  Please send me the necessary paperwork so that I 
may take action against these individuals and their 
companies. 


I look forward to your prompt reply.
Sincerely,

 

Credit Repair Companies

Some credit repair firms are easy to spot; others can be 
more difficult to identify because they may market 
themselves as financial counseling and advice companies.  To 
help prevent you from getting duped, here are some sure 
signs of a credit repair company: 
·	The company's advertising and literature make impossibly 
extravagant promises such as: 'We can wipe out bankruptcies 
and other negative information in your credit record.' Or, ' 
We can get you credit no matter how bad your credit 
history.' 
·	The company says it will use 'little known loopholes' in 
the FCRA to rid your credit record of negative information. 
·	The company claims that it can get you a major bankcard 
despite your credit record. 
Credit repair firms use a wide variety of techniques to 
market their services to consumers.  These techniques can 
include fliers distributed in parking lots and posted on 
telephone poles, television advertising, direct mail and 
telemarketing.  Credit repair firms that use direct mail or 
telemarketing techniques often develop their target lists of 
consumers from court records of people who have filed for 
bankruptcy. 
Regardless of the specific technique a credit repair firm 
uses to interest a consumer in its services, its goal is to 
get that consumer either to call a telephone number to learn 
more about its services or to schedule an appointment with a 
representative of the firm. Despite their claims and 
promises, credit repair companies cannot do anything you 
can't do yourself for little or no cost under the terms of 
the FCRA.  That law gives you the right to have inaccurate 
or outdated information deleted from your credit records as 
well as the right to have inaccuracies corrected.  Although 
patience and persistence are often required when dealing 
with a slow-to-respond credit bureau, an expenditure of your 
time to resolve credit record problems is far preferable to 
paying a credit repair firm a lot of money to accomplish 
little or nothing. 


Credit  Dictionary

Accounts Receivable: credit extended by any person or 
company to another (normally unsecured) with usual repayment 
terms requiring a monthly payment to amortize the balance 
owed. 
Amortize:	To liquidate or reduce an amount owed through a 
series of payments. 
ANI: See Automatic Number Identifier.
Attorney:	A legal agent authorized to appear before a court 
of law as a representative of a party to a legal 
controversy. 
Automatic Number Identifier: The ability of a company to 
identify an 800-number caller's name and address.  Every 
time a consumer calls one of these toll-free 800 numbers, 
there is a record of that call; the debt collection 
community frequently uses this to locate a consumer's home 
or business location after they have gone underground. (Use 
pay phones!) 
Bad Debt Expense: An accounting category reserved for debts 
deemed uncollectible. 
Bankruptcy: A legal maneuver allowing consumers or 
businesses to discharge all debts and liabilities.  The 
actions of most debt collection agencies force consumers 
into bankruptcy instead of settling outstanding accounts. 
Blackmail:	Any payment induced by or through modation, by 
use of threats of injurious information or accusations. (A 
technique frequently used by unethical debt collection 
agencies.) 
Bulletproofing: Insulating yourself from financial 
adversaries such as creditors, debt collectors, attorneys, 
etc.  Simple techniques include obtaining an unlisted phone 
number and post office box to more advanced maneuvers such 
as use of family trusts, corporations, etc. 
Cease-Commed:	Term used, by the debt collection industry to 
describe the status of an account.  When a consumer has 
cease-commed a debt collector this means that they have 
invoked federal law by sending a Cease & Desist letter via 
certified mail, forcing the debt collector to cease 
collection activity of that account. 
Certified Mail: Specialized postal service technique 
utilized to track delivery and obtain proof of delivery of 
letters or packages. 
Chapter 7: 	A consumer bankruptcy filing that liquidates all 
non-exempt assets to pay off creditors. 
Chapter 12: Bankruptcy filing reserved for working ranches,