Sample Credit Repair Letters

Sample Letter 13:  To Credit Bureau, Request Incorrect Information Be Correctly Reported


Date


Name of Credit Bureau
Address
City, ST   Zip Code

Re: Credit report of _____________
Address:  __________________________
Former Address: ___________________________
SSN:  000-00-0000

Dear Sir or Madam:

Upon reviewing my credit report, I discovered that the following items are not being reported correctly and are damaging to my credit rating:

Item #____   [Name of account] 

This account was paid in full on 00/00/00.  Attached is a copy of the cancelled check proving payment was made.  Please make a notation that this account has been paid in full.

Item #____   [Name of account]
This account was always paid on time.   The notation that this account was 30 or more day's delinquent on two occasions is incorrect.   I am requesting the delinquent notations be removed.

I have included a copy of my credit report with these two items circled in red.  I am requesting these items be reinvestigated and reported correctly according to the provisions of the Fair Credit Reporting Act, and that a corrected copy of my credit report be sent to me as soon as possible. 

Thank you very much for your attention to this matter.

Sincerely,


Your Name

attachments



Sample Letter 14:  To Subscriber, For Making Unauthorized Credit Report Inquiry


Date


Name of Company
Address
City, ST  Zip

Re:  Unauthorized Access of My Credit Report

Dear Sir or Madam:

A recent review of my [name of credit bureau] credit report revealed the fact that your company pulled my credit report on [date of inquiry].

I did not authorize your company to obtain a copy of my credit report.  It is a violation of the Fair Credit Reporting Act for you to access my credit report without my permission.  Therefore, I am requesting that you do two things:  (1) Do not run a credit report on me in the future; and (2) Notify [name of credit bureau] that your inquiry was unauthorized and request it be deleted from my credit report.

Sincerely,


Your Name



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