Credit Repair 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
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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
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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
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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
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