Self Help Credit Repair

Better Credit Starts Here

Credit Repair Letter Templates

General Dispute to a Credit Agency

Date

Collection Agent
Address

RE: Acct. # …

To whom it may concern:

When living in New Jersey, I received service through ________________ Telephone Company. During that time, there were numerous billing errors. I kept being mixed up with another family. Though time consuming and aggravating for me, the phone company always found and corrected the errors.

Before moving to New York, I stopped service and paid the final bill. I never thought I would continue to be plagued with __________________ Telephone Company errors.

I am sure if you speak to a human being and not a computer at ________________ Telephone Company, there will be a record of the problems we were having with wrong billings. I am also certain you will discover this is not my debt.

Though I was assured by the phone company at the time that my name was not the cause of the errors, I’m not so sure.

I would truly appreciate your assistance.

Sincerely,

Your Name
Address

When Credit Bureau’s Request More Information

Date

ATTN.: CUSTOMER RELATIONS DEPARTMENT

Credit Bureau
Address

RE: Investigation of credit file.

Dear (Credit Bureau Name):

On ____________ (date), I wrote to (Credit Bureau Name) at this address and filed a dispute of information in my credit report. This dispute indicated that the information was in dispute and identified the data from the language used in the credit report.

I also gave my address and copy of my drivers license. And I’ve enclosed those documents again now.

Please expedite my original request dated ____________. It has now been 14 days and I am still burdened with inaccurate credit reporting.

Sincerely,

Signature
Name
Address
Social Security Number

Dispute to Collection Agency

Date

Name _______________
Collection Agent
Address

RE: Account number __________________

Dear _______________:
Your company is showing a collection account number __________, on my credit report that I have no knowledge of. You are listing the client as ___________________.

Please explain this account and who your client is. I do not agree that this belongs to me and this is the first I have heard about it.

Your cooperation in this matter is greatly appreciated.

Yours truly,

Name
Address

Negotiating a Settlement

Date

Creditor
Address

RE: Account # __________________

Dear Creditor:

I am writing to request assistance in correcting erroneous information pertaining to my accountant #__________________ shown on my credit report.

I was involved in a traumatic divorce which necessitated leaving my home. All outstanding accounts were to have been taken care of in the proceedings.

With changes to my address and marital status, perhaps any billings that were sent, concerning unpaid accounts, missed me.

While trying to rebuild my life, I discovered these accounts such as yours that were never settled. I am trying to correct my credit after going through this set back by trying to settle these accounts, and doing the best I can.

The outstanding account # ________________ has a balance of $2296.00 which is a large sum for me at this time.

I am writing to inquire if there is any hope for a reduced amount to satisfy the account in full. In this way I may realistically be able to settle this outstanding balance with you.

I am also concerned about the negative information now on my credit file. I am advised this negative information you have placed on my files could remain in my credit reports for 7 years after payment is made. However, I have the right to remove any information from this credit report through the suppliers of information.

I am requesting, because of my horrible situation, your company notify the Credit Bureaus
to delete this account from my files when paid in full, as it does not reflect my personal willingness to pay my debts.

Thank you in advance for your attention to this unfortunate situation.

Sincerely,

Name
Address

Negotiating a Settlement with Utility Companies

Date
Regional Utilities
Address

To whom it may concern:

Please be advised that this correspondence is an effort to once again satisfy the obligation listed with your company as account number _______________ and with (Credit Bureau Name)
as account number ___________ in the amount of $_____________.

You state, “In order for us to maintain the integrity of all the accounts that we refer to Equifax, we will only cancel accounts if they have been referred due to an error on our part.” I doubt that this is the first time a meter was not transferred from one owner to another correctly.

My request does nothing to breach your integrity concerning other accounts with (Credit Bureau Name).

It is the popularly held standard that the Fair Credit Reporting Act concludes that paid collection accounts may be reported for seven years from the date of last activity. Thus, if a consumer, such as myself, were to pay off a debt, one would be burdened with the negative trade reference for an additional seven years above and beyond that time which may have already passed.

It is my goal to be free from an additional seven years of negative credit data pertaining to this account. In my last correspondence dated ____________, ( see enclosed copy), I requested your assistance in putting this error to rest by making payment, even though I was not the recipient of the services being billed for. I thought I had made it clear chat this proposal is being made only for the purpose of compromise and is not in any way to be construed as an admission of any liability, wrongful or negligent conduct or bad faith on the part of either party.

Accordingly, I am again requesting your help in deletion of this account from my credit reports when payment in full is received as this is not accurately portraying what happened. In this instant matter, your company will collect the obligation in full and I will face no more of a credit reporting burden than that already sustained.

Sincerely,

Name
Address

Negotiating Settlements with Creditors

Date

Creditor
Address

RE: Account # __________________

Dear Creditor:

I am writing in an attempt to settle the account you are listing under my name and social security number.

I agree ___________________ Company should have been paid for service rendered but I do not agree with this being on my credit report as a bad debt. I would like to put this account to rest as I hope you would. I did not use your services but am negligent in not making certain the person buying the residence had changed the billing from my name to his. I never received a statement or overdue notice. I no longer was living in the home so I had no reason to suspect a payment problem.

My concern is if I made payment to you in an attempt to stop negative reporting to the credit bureau, the balance in my credit file would show Zero PAID COLLECTION, and then those negative ratings would continue for another seven years.

This would be wrong as it is not a true indicator of my willingness or ability to pay debts.
I believe I am caught in the computers and a credit reporting system that does not tell what truly has happened.

I am requesting your help in deletion of this account from my credit reports when payment in full is received as this does not accurately portray what has happened. I have been informed by reputable source that this can be done and is within the purview of the law.

I look forward to your prompt attention to this matter and an expedient favorable resolution.

Sincerely,

Name
Address

Letter to Delete Inaccurate Credit Information

Date:

Address:

To whom it may concern:

I received a copy of my credit report and found the following item(s) to be errors. See attached copy of credit report, errors have been high-lighted. Here I have explained which items are in error:

By the provisions of the Fair Credit Reporting Act of 1996, I demand that these items be reinvestigated and deleted from my report.

Please promptly delete inaccurate information from my file. Also, in compliance with the Fair Credit Reporting Act of 1996, please notify me when the items have been deleted.

Please send an updated copy of my credit report to the below address. According to the act, there should be no charge for this updated report.

Sincerely,

Name

Address

Social Security Number

After NO RESPONSE from a Credit Bureau

Date

ATT: Consumer Assistance

Credit Bureau
Address

RE: __________________ Social Security Number

Dear (Credit Bureau Name):

On March ___________ and April ___________, I sent you letters requesting items be investigated on my credit report. (see enclosed copies).

As of yet I have not received a response from you. Under the Fair Credit Reporting Act you are required to respond within a “reasonable period of time.”

I am sending this letter certified so I will know you did receive it. In this way I will have no option but to pursue my legal rights if I do not receive a response.

Sincerely,

Signature
Name
Address
Social Security Number

Disputing Specific Items and Inquiries

Date

Credit Bureau
Address

RE: Acct. #…

Dear (Credit Bureau Name):

Going over my credit report I have found it has many errors. I request your investigation of the following:

1. Sears I spoke with Sears again to verify my records. They confirmed this as my account and that there were no late payments to this account. They will draft a letter if needed to correct this error. Please contact this creditor

2. Foreclosure 5/92 I did not have a foreclosure in 1992 or since then. Please remove this.

3. Collection Account _____________ I have tried to get to the bottom of this with the information your company supplied. How are you able to confirm when I cannot? (See enclosed copy). This is not mine. Please remove this.

The consumer has no protection against automobile salesman who are not concerned about a persons credit report or what problems multiple inquiries can cause. Your credit bureau has legal responsibility in this matter. There should be more supervision on access to credit files by salesman with these dealerships.

I did not authorize the following inquiries and demand they be remove from my file:

GMAC There are 4 different days in November of 200*.
Why would this be? Please remove 3 of these entries. I only authorized this one time.

2. Nissan Motor Acceptance Corp.
I only authorized one. Please remove the other 4 entries.

These listed accounts are not my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. Please send a copy of my corrected possible to my address listed below.

Sincerely,

Your Signature
Name
Address
Social Security Number

How to Speak with Representatives from the Credit Bureaus on the Phone

When you contact a person by phone always ask them what their name is and write it down. This helps put you in control and keep accurate records.

“Hello, who am I speaking with? My name is and I would like to speak to someone about my account, please.”

“My account number is _______________________
“My social security number is __________________

Be aware that your creditor is reviewing your credit report and knows you are in trouble. During your conversation always maintain your composure and be humble, (even if you want to yell).

Listen to what they have to say and don’t offer any information.

You want to find out your balance, the interest owed, penalties and your past due amount.

Key points to emphasize and go back to during conversation:

“My intentions are to honor this debt”
“My economic situation has changed since our agreement”
“Please work with me so I can realistically make payments”
“I would rather do it this way instead of going bankrupt”
“This is an effort to pay my debt”
“This is only a temporary situation”

Your goals are:
To get the interest lowered or stopped.
To stop penalties.
To establish a payment plan you can realistically maintain.
Always use “please” and “thank you”. Always keep you composure

If you get lost or feel you are loosing control, just excuse yourself by saying:

“Excuse me (persons name), may I have your phone number and extension. I have a small emergency and will need to call you back. When would be a good time?”

Request a Reinvestigation of Items Still on Your Credit

Date

ATTN: CUSTOMER RELATIONS DEPARTMENT
Credit Bureau
Address

Dear (Credit Bureau Name):

I have been around and around with your company regarding the errors which I have.
And they continue to remain in my consumer credit report.

I am again noting that problems have been discovered and they continue to remain unresolved.
I don’t know how to better state my problem nor do I know how to correct the errors.

The following accounts are not mine.

Account Name & Numbers
________________________
________________________
________________________

Since you have not given me names of persons with their business addresses that you contacted for re-verification of the information, so that I could follow up as I requested,
I assume that you have not been able to verify the information I have disputed.

If this problem continues and I am forced to seek some form of professional assistance,
you have been forewarned of the harm which this problem is causing me.

I shall assume that 30 days constitutes a “reasonable time” to complete these actions
unless you immediately notify me otherwise.

Send me an updated copy of my credit report with these items deleted.

Thanks,

Signature
Name
Address
Social Security Number

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