Company Name__________________________ Account #____________________________ Not my account __ Was never late __Account paid in full__ Current status incorrect __ Other __DisputeExplanation________________________________________________________________
Company Name__________________________ Account #____________________________ Not my account __ Was never late __Account paid in full__ Current status incorrect __ Other __DisputeExplanation________________________________________________________________
Company Name__________________________ Account #____________________________ Not my account __ Was never late __Account paid in full__ Current status incorrect __ Other __DisputeExplanation________________________________________________________________
Courthouse or Collection Agency accountsCourthouse or Collections agency_______________________________________________Case number for courthouse records only___________________________________________ Not Mine (explain) __ Satisfied __ Released __ Dismissed__ Discharged __ Collection was paid __ Other (explain)Explanation________________________________________________________________
Courthouse or Collections agency_______________________________________________Case number for courthouse records only___________________________________________ Not Mine (explain) __ Satisfied __ Released __ Dismissed__ Discharged __ Collection was paid __ Other (explain)Explanation________________________________________________________________
I certify that all information above is true and factual.Signature ____________________________________________ date __________________
Sample letter 1 - Removal of Inaccurate Information
The following is a sample letter requesting the removal of inaccurate information. Always include any copies of proof you may have (i.e., cancelled checks showing timely payments, paid off accounts, loans: anything that will show the information is indeed erroneous). It never hurts to include the consequences that have resulted from this wrongful information as well. The credit agencies give the most immediate attention to seriously wronged consumers. Remember, they are bombarded with 10,000 letters a day. Get more Credit information.
Your Name123 Your Street AddressYour City, ST 01234
The Credit BureauBureau AddressYour Town, State 56789
Date
Dear Credit Bureau,
This letter is a formal complaint that you are reporting inaccurate credit information.
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a
Optional With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP.
The following information therefore needs to be verified and deleted from the report as soon as possible: CREDITOR AGENCY, acct. 123-34567-ABC
Please delete the above information as quickly as possible.
Sincerely,
Your signature
Your NameSSN# 123-45-6789Attachment included. Credit Reporting Agency Dispute Letter (Debtors Full Name)(Street Address),(City, State & Zip) (Credit Reporting Agency)(Address)(City, State & Zip) Date:Account Number(s): IN Re: Credit Reporting Agency Disputed Item To Whom It May Concern,It has come to our attention that you are reporting what we believe tobe inaccurate data which we dispute and this letter is an appeal foryour assistance. As a reporting agency you are governed by the FairCredit Reporting Act (FCRA), which protects consumers from inaccurate,outdated or invalidated information reporting of their credit file. The FCRA states that it's the Bureau's responsibility to ensure thatall information contained within consumer credit files is accurate andfree from errors. The following information has been allowed to be reported on my creditfile, I have been denied credit and have been public embarrassed andhumiliated. In an effort to investigate these accounts, I contactedthe collection agency or the original creditor and asked fordocumentation. Among other things, I asked for evidence I was given30-days notice to dispute the validity of the debt. The FCRA, 15 U.S.C. Section 1692g(a), mandates in no uncertain termsthat a debtor has 30 days to dispute the validity of a debt. If thecreditor cannot provide sufficient evidence that the debtor was givenadequate notice, the debtor must be given another 30-daydebt-validation period, and the creditor must provide evidence thedebtor is liable for the account(s) in question. Attachments to support my claims on the following accounts have beenincluded with this dispute letter and are noted in the listing below. I've sent several notices to these creditors or collection agenciesrequesting validation of the account(s) below, but they failed toprovide adequate documentation proving my liability for the account inquestion:
I hereby dispute these debts and request the following itemsbe thoroughly investigated and deleted:
(Name of Creditor),
Basis for Dispute, (Account Number),
(Amount)
(Name of Creditor),
Basis for Dispute, (Account Number), (Amount)(Name of Creditor),
Basis for Dispute, (Account Number), (Amount)(Name of Creditor),
Basis for Dispute, (Account Number), (Amount)(Name of Creditor),
Basis for Dispute, (Account Number), (Amount)(Name of Creditor),
Basis for Dispute, (Account Number), (Amount)(Name of Creditor),
Basis for Dispute, (Account Number), (Amount)(Name of Creditor),
Basis for Dispute, (Account Number), (Amount)
Upon completion of your investigation please send a detaileddescription of the procedures used to determine the accuracy of theaccount(s) I am disputing, as well as the name and contact informationof the agent conducting said investigation in case furthercommunication is necessary.
We reserve the right under [name of law]Law to record any incoming conversations and we have no obligation toadvise you that they are being recorded.
Sincerely,
Signature Sent by Certified Mail Signature required for delivery
Free Sample LetterCorrect Inaccurate information in your Personal Credit Profiles
Today's Date
Your Full NameCurrent AddressCurrent Phone Number
Attention: {insert credit reporting agency name}
See Credit Help 21 {add CRA address here}
Dear {credit reporting agency}
This letter is a formal request to correct inaccurate information contained in my credit file. The item(s) listed below is/are completely (insert appropriate word(s) {inaccurate, incorrect, incomplete, erroneous, misleading, outdated} ). I have enclosed a copy of the credit report your organization provided to me on {insert date of report here} and circled in red the item(s) in question.
Line Item: {insert name of creditor, account number or line item number)
Item Description: (this info is found on your credit report)
Requested Correction: (describe exactly what you want. If you want an item deleted say so and explain why. If you want an item corrected or updated, provide the correct information such as names, dates, amounts and so forth and any evidence to support your claim).
In accordance with the federal Fair Credit Reporting Act (FCRA), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately {delete, update, correct} the item.
Furthermore, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months.
If your investigation shows the information to be accurate, I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act.
I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at (insert daytime phone number including area code).
Sincerely,
Signature Printed Name
You discover an error on your monthly credit card bill and need to dispute the error with your credit card company.
The Fair Credit Billing Act (FCBA) outlines your specific rights and your credit card company's specific responsibilities when you dispute an item on your credit card bill. When disputing credit card bills, always do so in writing and in a timely manner. In your letter provide specific facts, descriptions, figures, names, dates, locations and so forth. Equally important is including a certified copy of receipts, a bill of sale, the credit contract and any other document that support your claim.
Feel free to copy and paste the text into a word processor or have Rich send you a free copy of thiscredit card dispute letter in Microsoft Word format.
FREE Sample Letter for Disputing Errors on Credit Card Bills
Today's Date
Your Full NameCurrent AddressCurrent Phone Number
Name of Credit Card Company Mailing Address (check your statement for the correct address! It's usually different than the one you mail payments too)City, State, Zip
Dear {Insert name of Credit Card Company from statement}
I am disputing an item on my statement, dated {insert date of statement}.
Please note that this letter is dated within the 60-day limit required under the Fair Credit Billing Act.
or use the following paragraph instead
I am disputing an item on my statement dated {insert date of statement} because I am unable to determine from my records what the charge is for. I need more information about line item {place the line item number or description here}. Please send copies of any documents you have pertaining to this item.
Please use the following information to investigate my claim:
{Insert your name as it appears on your credit card statement}
Date of Statement: {Insert the date from the statement you are disputing}
Account Number: {Insert credit card account number}
Date of Transaction: {Insert date from statement}
Description of Transaction {Copy from statement}
Describe Error: {If disputing dollar amount, insert amount using $0.0 format}
{Insert explanation of why you believe an error occurred} see more examples credit Help 21
I understand that you have 30 days to respond and 90 days to either resolve my dispute or inform me in writing of why the bill is correct. Until then, I will pay any amount due except for the amount in question and await your letter explaining all actions taken concerning this dispute.
If your investigation shows the information to be accurate, I respectfully request that you provide an explanation of your findings, a statement of what I owe, including any finance charges that have accumulated and any minimum payments I've missed while questioning this bill. If I agree with your findings, you can expect my payment in the amount you say I owe within the 10-day limit allowed under the Fair Credit Billing Act.
Sincerely,
SignaturePrinted Name
Reasons for disputing credit card bills. Select one to insert in the letter above.
1. You didn't buy the item in question;
2. Someone not authorized to use your account made the purchase;
3. The item is not properly identified on your bill;
4. The amount is different from the actual purchase price;
5. The amount was entered on a date different from the purchase date (important when interest is charged by the day)
6. You did not accept delivery on an item or it was not delivered according to agreement;
7. The bill contains arithmetic errors, (Look at the date on the postmark. If your account is one on which no finance or other charge is added before a certain due date, then creditors must mail their statements at least 14 days before payment is due).
8. The bill does not show a payment or other credit to your account; (Look at the payment date entered on the statement. Creditors must credit payments on the day they arrive, as long as you pay according to payment instructions).
9. The bill is not being mailed to your current address, (use only if you told the creditor about an address change at least 20 days before the end of the billing period);
10. The bill contains a questionable item, or an item for which you need more information.
If you've fallen behind on your bills, especially credit cards, don't panic.
You may have several good options available to you.
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