Sample Credit Repair Letters


Sample Letter 17:  To Credit Bureau, Request Compliance with FCRA (Letter 1)


Date

Certified Mail No.
Return Receipt Requested


Name of Credit Bureau
Address
City, ST  Zip

Re: Credit report of ____________________;  Address:  ___________________________; SSN:  000-00-0000

Dear Sir or Madam:

On [date first letter sent], I sent you a letter disputing certain items in my credit report.  I have attached a copy of that letter.  As of this date, I have not received a response from you.

Your non-response is in violation of the Fair Credit Reporting Act, and I am requesting that you either re-investigate the information I am disputing immediately or delete the information from my credit report.

Please send me the names and addresses of those persons you contact to reinvestigate this matter so that I may contact them directly should this dispute not be resolved satisfactorily.

Thank you for your swift attention to this matter.

Sincerely,


Your name

attachment



Sample letter 18:  To Credit Bureau, Request Compliance with FCRA (Follow-up to Letter 17)


Date

Certified Mail No.
Return Receipt Requested


Name of Credit Bureau
Address
City, ST  Zip

Re: Credit report of ___________________;  Address:  ___________________________;  SSN:  000-00-0000

Dear Sir or Madam:

On [date first letter sent] and [date second letter sent], I sent you letters disputing certain items in my credit report and asked that you reinvestigate them.  Although 60 days have passed, I have not received a response to either letter.  Attached are copies of both letters.

Your non-response to my previous correspondence is in clear violation of the Fair Credit Reporting Act, which requires that you respond to consumer disputes in a timely manner.  Because you have failed to respond, I am demanding that the information in dispute be removed from my credit report immediately.  I have attached a copy of my credit report with the information I am demanding be removed highlighted in red.

Please send me an updated copy of my credit report with the disputed information removed as soon as possible.

Sincerely,


Your name

attachments


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