**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)

Name:

Email:

Location:

URL:

Smileys

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HypnoBudgets

It’s that time again. This year I’ve got a whole long list of resolutions. That’s right. New years is just two days away. I’ve got my list. Do you have yours? If you are like more than half of all American’s the answer is no.

Eight years ago I moved to Salt Lake with very little. My son, my computer and my car. The rest of what I had fit in my car. Clothing. Nothing else. That was it. Six months later we still hadn’t accumulated much more. So it was a devastating loss when the car broke down that last time. With no money to fix it I had to let it go. My only option was public transportation.

You know you’re in trouble when you turn on the cold water faucet and what comes out is hot water for the first three or four minutes.  Its supposed to be 102F here today.  That’s pretty hot. And I have two cats. Complete with fur. How do they stay cool in the summer? We always hear how someone left a dog in a car and they had a heat stroke but what about our cats?

What do beans and left over salad have in common? Both can be tossed into a burrito for a cheap, filling meal.

Plasma donation. I does it.


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