Credit Letters
Women And Credit IITo avoid credit problems, it is imperative that all women educate themselves about credit and money management and establish and maintain their own ..... ......
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)
Complaining About CreditComplaining to Federal Enforcement Agencies: First try to solve your problem directly with a creditor. Only if .....
Your full name
Enclosures
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Letter No. 6
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:
In accordance with The United States Congressional Code, Title 15, Par. 1681, Page 946, if after reinvestigation of the credit profile, such information is found to be inaccurate or the creditor cannot prove incorrectly reported information, you shall promptly remove and delete such information. I say this because after corresponding with you for quite some time and supplying you with numerous copies of my credit report and a list of disputes, you are still incorrectly reporting items on my credit profile.
Enclosed you will find, for the last time, another copy of these items. If you do not act in accordance with the law and delete these items from my credit profile, I will be forced to ask my attorney to step in and assist me in this matter.
Your cooperation is greatly appreciated and anticipated.
Sincerely,
(signature)
How To Get Free RentYou can get free rent through one of three methods: 1) Manage an apartment. 2) .....
Your full name
Enclosures
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Letter No. 7
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 notification to me that your investigation of the disputed items on my credit profile has been completed and I must strongly disagree with your findings. Please provide me with the name of the individual that you corresponded with at each of the creditors in dispute as well as an address and phone number where they can be contacted. A copy of the findings of your investigation is also requested. I feel that if an actual investigation of these items had been performed, your findings would be much different.
Once again I will extend you the courtesy of enclosing a copy of my earlier correspondence that outlines my disputes as well as another copy of my credit report. Quite a period of time has elapsed since I first began communicating with you in regards to this matter, as you can see by the original date of my letter. I feel that ample time has been provided to you in order for you to comply with the law. Your continued failure to disregard this matter will be answered by my attorney.
Please handle this as promptly as you can. I continue to appreciate your efforts in regards to this matter and look forward to hearing from you in the very near future.
Sincerely,
(signature)
Scoring For CreditFTC, October 1993 How does a creditor decide whether to lend you money for such things as .....
Your full name
Enclosures
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State Attorney General Letter
Date:
Consumer Protection Division
State of ________________ Attorney General's Office
To Whom It May Concern:
I am being harassed by several debt collection agencies and request that you immediately send to me all of the appropriate forms so that I may file a complaint with your agency about violations of the following two federal laws.
The Fair Debt Collections Practices Act
The Fair Credit Reporting Act
I am sure the actions of these debt collectors must be in violation of various state consumer protection law statutes as well. Please send me the necessary paperwork so that I may take action against these individuals and their companies.
I look forward to your prompt reply.
Sincerely,
Your Signature
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