Credit Letters
Letter No. 1
Date
Your Name
Your Address
Your Social Security Number
Your Date of Birth
TO: T.R.W. (or) Transunion (or) Equifax
(Addresses are provided on page 3)
To Whom It May Concern:
Recently I received the enclosed denial for credit notice which was based, at least in part, on the information you provided in regards to my credit profile. I am requesting that you submit to me a full copy of my credit report along with any special instructions I may need in order to understand that report. It is my understanding that according to The Fair Reporting Act that there is no charge for this service based on the denial. I have maintained a copy of the denial notice as well as this request for my files.
Thanking you in advance for your prompt attention to this matter.
Sincerely,
Federal Credit LawsThe Fair Credit Reporting Act of 1971: (a) Gives you the right to know what information is held ..... (signature)
Your full name
Enclosure
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Letter No. 2
Date
Your Name
Your Address
Your Social Security Number
Your Date of Birth
TO: T.R.W. (or) Transunion (or) Equifax
(Addresses are provided on page 3)
To Whom It May Concern:
Enclosed you will please find the required fee for me to obtain a copy of my credit report as it is maintained by your agency. At the time you submit my credit report to me at the above address, instructions or guidelines on how to properly interpret the report are also requested.
Your prompt attention to this request is greatly appreciated. The remittance in the form of a money order instead of a personal check should assist you in a speedy reply.
Thanking you in advance.
Sincerely,
(signature)
Your full name
Enclosure
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Letter No. 3
Date
Your Name
Your Address
Your Social Security Number
Your Date of Birth
TO: T.R.W. (or) Transunion (or) Equifax
(Addresses are provided on page 3)
To Whom It May Concern:
Recently I have reviewed my credit profile as reported by your agency and noticed that there are some items which are incorrectly reported. A copy of my credit report is attached with each discrepancy numbered. The objections to these items are stated below.
I have full knowledge of The Fair Credit Reporting Act
as well as my rights as a consumer. Please review my credit profile and delete the items mentioned below.
1. VISA: This account should read as current and not a charge off. I have never been past due on this account.
2. FORD MOTOR CREDIT: This account is not a repo. My father has the same name as I do with the exception of the Jr. Perhaps the files are mixed up due to the similarity in names. I have never been late with my payments to Ford Motor Credit.
3. RECOVERY SERVICES U.S.A.: I have never been notified that I had an item in collections. Collection law states that a collection agency must give me an opportunity to dispute or pay a debt prior to it being reported.
Thanking you in advance for your prompt attention to this matter.
Sincerely,
(signature)
Your full name
Enclosures
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Letter No. 4
Date
Your Name
Your Address
Your Social Security Number
Your Date of Birth
TO: T.R.W. (or) Transunion (or) Equifax
(Addresses are provided on page 3)
To Whom It May Concern:
Recently I wrote you in regards to erroneous reporting on my credit file. At that time I enclosed a copy of my credit report as well as a written explanation of the items that were incorrect. To date I have received no response from your office in regards to this urgent matter. The Fair Credit Reporting Act allows you ample time to review my report as well as make any corrections. Again, I am enclosing a copy of my credit report as well as a copy of my initial correspondence to you that describes in detail my disputes.
I, respectfully, request you give extra care to this matter as it is vital. As you are surely aware, credit is important in today's world and I feel that I deserve to have the courtesy of correct reporting.
Thank you for your attention to this matter.
Sincerely,
(signature)
Your full name
Enclosures
Credit Card InsightsThe cards we are going to discus here are the MasterCard and Visa only. Banks and Savings & Loans issue .....
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Letter No. 5
Date
Your Name
Your Address
Your Social Security Number
Your Date of Birth
TO: T.R.W. (or) Transunion (or) Equifax
(Addresses are provided on page 3)
To Whom It May Concern:
I am in receipt of your letter in regards to the investigation of erroneous reporting to my credit profile and I must strongly disagree with your findings. You obviously have not verified the legitimacy of these reporting. In accordance with The Fair Credit Reporting Act if a company is not able to prove the account was delinquent in a certain amount of time, you must remove it. Again, I am enclosing a copy of my credit report as well as a copy of my original letter listing my disputes.
I anticipate the arrival of my corrected credit report shortly. I appreciate your cooperation in this matter.
Sincerely,
(signature)
Your full name
Enclosures
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