Sample Credit Repair Letters
Sample Letter 9: To Credit Bureau, Request Consumer Statement Be Added
Date
Name of Credit Bureau
Address
City, ST Zip
Re: Credit report of _______________
Address: __________________________
Telephone: __________________
SSN: 000-00-0000
Dear Sir or Madam:
Under section 611(b) of the Fair Credit Reporting Act, I am requesting the following consumer statement be inserted in my credit report exactly as I have written it:
"I dispute the fairness of the late payments being reported on the [name of creditor] account. These late payments are the fault of [name of creditor] that habitually mails my monthly statement to me after the date payment is due, if it bothers to mail me a statement at all. Because I do not receive my billing statement in time and sometimes not at all, I have had no choice but to make payment after the due date. For this reason, there are numerous late pays associated with this account that are no fault of mine."
Please send me an updated copy of my credit report once the above statement has been added to my credit report. Thank you very much.
Sincerely,
Your Name
Sample Letter 10: To Credit Bureau, Request Erroneous Information Be Deleted
Date
Name of Credit Bureau
Address
City, ST Zip
Re: Credit report of _______________________
Address: _______________________________
Former Address: ___________________________
SSN: 000-00-0000
Dear Sir or Madam:
I am writing to request removal of the following erroneous information from my credit report. The following account is not mine and its inclusion in my credit report is very damaging to my credit rating:
[Item # Name of account]
I am requesting the above item be reinvestigated and deleted from my credit report under the provisions of the Fair Credit Reporting Act, and that a free, corrected copy of my credit report be sent to me within the 30 day period set forth in the FCRA.
Thank you very much for your attention to this matter.
Sincerely,
Your name
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