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For use when requesting your credit report from the Credit Bureaus.
Credit Report Request--Denied Credit in Past
For use when requesting your credit report from the Credit Bureaus and you have been denied credit within the past 30 days.
Letter to Opt Out of Personal Information Release
For use when requesting your personal information not be released for marketing purposes.
Request For Removal Of Outdated Entries
Start with these items first, since they are the easiest to have removed. Negative entries may only remain on your credit report for 7 years and bankruptcies for 10 years. Make sure they ARE removed, since the credit bureaus will not always do so on a timely basis. They have approximately 30 days to respond, so be on the lookout for a new copy of your Credit Report in the mail!
Try disputing ALL negative entries. If they cannot be verified, they MUST be removed. The creditors have 30 DAYS to respond to the credit bureau’s investigation. If they do not, the item MUST be removed. If you do not hear back from the Credit Bureau, FOLLOW UP. The Credit Bureaus are usually right on time, but, just in case, keep track of when you send letters and when you receive their responses! (Note: I’ve never had to follow up. They’ve always responded back promptly.) You can combine this letter with the one above if you have both items to be disputed AND outdated entries.
Follow Up of Submission of Dispute
The creditors must respond to the credit bureau within 30 days. If you have not received an answer from the credit bureau...pursue! (Again, I’ve never had to.)
2nd Follow Up of Submission of Dispute
Send if the Credit Bureaus haven’t responded after the first follow up.
Request For Reinvestigation Of Disputed Item
Should the item you disputed NOT be removed and you KNOW it is inaccurate, request a reinvestigation and the name and address of the person who provided the verification to the credit bureau, so that you may follow up with them.
Request For Removal of Unauthorized Inquiries
Letter to the Credit Bureaus to remove unauthorized credit inquiries.
Letter/Agreement to use when negotiating directly with a Creditor.
Statement Of Dispute To Be Included With Your Credit Report
If the negative entry IS accurate, but there were extenuating circumstances that you wish future creditors to be aware of, submit a “Statement of Dispute”. This statement will be attached to your credit report and remain as long as the negative entry does. (Note: When the negative item is finally removed, double-check that the statement has been removed as well. If not, write in and request that it be deleted.)
DOWNLOAD Sample Letters (PDF Version)
Collection of all the above letters in one file.
DOWNLOAD the Arin’s Attic: Credit Repair Correspondence Tracker
A very simple spreadsheet designed to help you track your correspondence.
DOWNLOAD the Arin’s Attic: Simple Monthly Budget
A simple monthly budget to help you stay on track and make sure that your bills are paid ON TIME!
Letter Date
Credit Bureau Name
Credit Bureau Address
To Whom It May Concern:
I would like to obtain a copy of the credit report for:
Your Name
Your Current Address
Your Previous Address
Your Social Security Number
Your Date of Birth
Your Day and Evening Phone Numbers
I have enclosed copies of my driver’s license and social security card and the amount of fee fee.
Sincerely,
Your Name
Your Address
ENCLOSURE(S)
Letter Date
Credit Bureau Name
Credit Bureau Address
To Whom It May Concern:
I was denied credit within the past 30 days by Name of Creditor based on a credit report obtained from your company. Enclosed is a copy of the denial letter. Please send me a copy of my credit report as soon as possible.
Your Name
Your Current Address
Your Previous Address
Your Social Security Number
Your Date of Birth
Your Day and Evening Phone Numbers
I have enclosed copies of my driver’s license and social security card.
Sincerely,
Your Name
Your Address
ENCLOSURE(S)
Letter Date
Company Name
Company Address
To Whom It May Concern:
Please remove me from your marketing lists. My information is as follows:
Your Name
Your Current Address
Your Previous Address
Your Social Security Number
Your Date of Birth
Thank you for your prompt attention to this request.
Sincerely,
Your Name
Your Address
Letter Date
Credit Bureau Name
Credit Bureau Address
RE: Request for removal of outdated entries
ID#: if provided on credit report
Dear Sirs:
According to my rights under the Fair Credit Reporting Act, I am requesting that the outdated entries below be removed, as they pertain to:
Your Name
Your Current Address
Your Social Security Number
Your Date of Birth
Credit Report Date: Date
Outdated entries to be removed:
Creditor
Account Number
Please delete the above items from my credit report, in accords with the policy regarding the length of time such an item may remain on file.
Please return an updated report, showing these items have been removed.
Sincerely,
Your Name
Your Address
**Note: This letter may be adjusted to send to a Creditor as well as the Credit Bureaus**
Letter Date
Credit Bureau Name
Credit Bureau Address
RE: Submission of dispute
ID#: if provided on credit report
To Whom It May Concern:
According to my rights under the Fair Credit Reporting Act, I am disputing the credit items below, as they pertain to:
Your Name
Your Current Address
SSN
DOB
Credit Report Date: Date
Items disputed:
Creditor
Account Number
**Statement of dispute, i.e. “This is not my account”, “This item is inaccurate”
Creditor
Account Number
**Statement of dispute, i.e. “This is not my account”, “This item is inaccurate”
Please return an updated credit report, showing these items have been corrected. Should verification NOT be provided to you within 30 days, I fully expect these items to be permanently deleted.
Sincerely,
Your Name
Your Address
**Note: This letter may be adjusted to send to a Creditor as well as the Credit Bureaus**
Letter Date
Credit Bureau Name
Credit Bureau Address
RE: Follow Up of Submission of Dispute for: Your Name / Your SSN
ID#: if provided on credit report
Dear Sirs:
On Date, I requested verification of an item that appeared on my credit report. A copy of that letter is enclosed.
I have not received a response from you. According to the Fair Credit Reporting Act, you MUST respond within a reasonable amount of time. If you have not responded because the items could not be verified, then I hereby demand that you immediately remove the disputed items from my credit report based on the fact that they are inaccurate or unverifiable.
Please send me an updated copy of my credit report.
Sincerely,
Your Name
Your Address
ENCLOSURE(S)
Letter Date
Credit Bureau Name
Credit Bureau Address
RE: 2nd Follow Up of Submission of Dispute for: Your Name / Your SSN
ID#: if provided on credit report
Dear Sirs:
On Date, I sent you a follow-up letter stating that you had not responded to my original letter requesting an investigation into several disputed items on my credit report. Copies of the original letters are enclosed.
The Fair Credit Reporting Act requires your bureau, as a consumer reporting agency, maintain and insure that information “is fair and equitable to the consumer.” Also, the law stipulates that bureaus will maintain “accuracy, relevancy, and proper utilization of such information” (Section 602, 4b).
These requirements have not been met. You have not given me evidence that you have acted in a prompt and “fair and equitable” manner. You have not submitted evidence of investigation by giving me names and addresses of persons contacted, nor have you removed anything found inaccurate.
I, therefore, demand that you remove the disputed items, as inaccurate or unverifiable, from my credit report immediately and return an updated credit report, showing that you have done so. If within the next two weeks, I have not received your response, I will file a complaint with the Federal Trade Commission and retain an attorney to pursue my rights to recover damages.
Sincerely,
Your Name
Your Address
ENCLOSURE(S)
**Note: This letter may be adjusted to send to a Creditor as well as the Credit Bureaus**
Letter Date
Credit Bureau Name
Credit Bureau Address
RE: Request for reinvestigation of disputed item
ID#: if provided on credit report
Dear Sirs:
Although you have previously investigated the item below, I am still in disagreement with it. Since this item is highly injurious to my credit report, please reinvestigate and provide me with the names and business addresses of the persons with whom you verified these items, so that I may contact them myself. Please forward this information to me, along with a copy of my credit report.
Your Name
Your Current Address
SSN
DOB
Credit Report Date: Date
Item disputed:
Creditor
Account Number
**Statement of dispute, i.e. “This is not my account”, “This item is inaccurate"**
Sincerely,
Your Name
Your Address
Letter Date
Credit Bureau Name
Credit Bureau Address
RE: Request for deletion of unauthorized Inquiries
ID#: if provided on credit report
To Whom It May Concern:
I recently received my credit report and found the following inquiries to be of inaccurate reporting.
Your Name
Your Current Address
SSN
DOB
Credit Report Date: Date
Inquiries disputed:
Inquiry Information
Sincerely,
Your Name
Your Address
Date of Settlement Agreement
Name of Creditor
Creditor’s Address
RE: Account Account #
To Whom It May Concern:
The purpose of this letter is to confirm our previous telephone conversation on Conversation Date regarding the settlement of the above account. According to our verbal agreement on the telephone, I will pay your company the amount of $Settlement Amount as full settlement of this account. Also, according to our verbal agreement, upon receipt of the above amount, your company has agreed to change the remark on my credit report to Agreement, i.e. “paid satisfactorily”.
In addition, any reference to any late payment or charge-off regarding this account will be deleted from my credit report. The updated status will then be reported to all credit bureaus that you report to.
Your cooperation in this matter is greatly appreciated. If this settlement agreement is acceptable to your company, please acknowledge with your signature in the space provided below and return a copy to me. Upon receipt of this signed acknowledgement, I will forward you the amount stated above.
_____________________________ __________
(SIGNATURE OF AUTHORIZED OFFICER) (DATE)
Thank you,
Your Name
Your Address
Letter Date
Credit Bureau Name
Credit Bureau Address
To Whom It May Concern:
According to the Fair Credit Reporting Act Section 611(b), I have the right to enter a “consumer statement” in my credit report. Please include the following “consumer statement” as it pertains to the following item:
Creditor
Account Number
Enter your Statement Here, for example: “On Date, I moved to another address. I notified all my creditors, including Name of Creditor promptly. Name of Creditor was slow in changing my address in its file. Following the move, I did not receive my billing statement for name a period of time. Once I received the statement at my new address, I paid this creditor promptly. I have paid promptly ever since.”
Please send me an updated copy of my credit report with the above statement included.
Sincerely,
Your Name
Your Address
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