Sample Credit Repair Letters

Sample Letter 5:  To Creditor, Ask Creditor To Remove Late Payment Notation


Date



Name of Company
Address
City, ST  Zip

Account Name:
Account Number:

Dear Sir or Madam:

Recently, I received a copy of my credit report and noticed that several of my payments to your company are marked as having been received late.

A review of my past payment record with you would show that I have always made my payments on time.  These few late payments were the result of (lost job, unexpected illness, etc.) which forced me to temporarily fall behind paying my debts.  However, I recovered quickly and resumed making all payments on time.

For this reason, I am requesting that you contact [name of credit bureau] and have these late payment notations deleted from my credit report.  If it weren't for these few late payments, I would have an excellent payment history with your company and do not believe it is fair for my credit rating to suffer because of a temporary situation.

Thank you for your attention to this matter.

Sincerely,


Your Name


Sample Letter 6:  To Creditor, Inform Creditor It's Reporting Information Incorrectly

Date


Name of Company
Address
City, ST  Zip

Account of:
Account Number:

Dear Sir or Madam:

I recently obtained a copy of my credit report from [name of credit bureau] and discovered that you have erroneously reported information regarding my account.  This information is in error because [explain why it is in error].  I have attached a copy of [cancelled check, etc.] that proves this information is incorrect.

Please contact [name of credit bureau] as soon as possible and have this information corrected and notify me by letter when you have done so.  Thank you for your attention to this matter.

Sincerely,


Your Name
Mailing address
Telephone number

attachment


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