Credit Bureau Letters to Remove Inaccurate Information

When you see inaccurate information on your credit bureau report, the first step is to contact them directly to request removal of that wrong information.

Remember, the credit bureaus do not like to remove information because they are in the business of selling that information to creditors.

They reportedly receive approximately 10,000 letters per day, so the more information and proof you provide in a strongly worded letter, the more likely it will get attention.

You should include any copies of proof you may have, such as canceled checks showing payments, paid off accounts, loans, or anything else that will show the information is indeed wrong.

You may also want to tell them the consequences that have resulted from this wrongful information they are reporting, since the credit agencies tend to give the most immediate attention to seriously wronged consumers.

Here are examples of letters you can send to the credit bureaus to request they take this information off your credit report.

Credit Bureau Name:

Your Name

SSN XXX-XX-XXXX

Your Address

(Current address for last 4 years)

DOB: 1/1/00

I've just reviewed my credit report and have noticed there are several inaccurate items on my report:

Chase VISA Acct: xxxxx-xxxxx-xxxx-xxx:This account is listed as being 30 days late. I have never been late on this account.

Macy's Acct: xxxxx-xxxxx-xxxx-xxx:This account is listed as being 30 days late. I have never been late on this account.

Amex Acct: xxxxx-xxxxx-xxxx-xxx:This account is listed as being 30 days late. I have never been late on this account.

In addition, there are a number of credit accounts which have been inactive for more than 7 years. As you know, the Federal Credit Reporting Act states that all credit older than 7 years should be removed from my report. The following accounts should be removed:

Diner's Club Acct: xxxxx-xxxxx-xxxx-xxx:

GE Consumer Card Acct: xxxxx-xxxxx-xxxx-xxx:

Sears Acct: xxxxx-xxxxx-xxxx-xxx:

I have enclosed a copy of my driver's license as proof of my identity.

Sincerely,

Your Name

Full Name

Current Address

Current Phone Number

Attention: Dispute Department

RE: Dispute Letter Dated 1/1/0000

To whom it may concern:

This letter is a formal notice that you have failed to respond in a timely manner to my letter dated, {place the date of your initial letter here}, and deposited by registered mail with the Post Office on that date. For your benefit, and as a gesture of my goodwill, I will restate my dispute:

Line Item: {insert name of creditor, account number or line item number}

Item description: (found on your credit report)

The item: is completely erroneous, (or misleading, outdated, etc.) and needs to be corrected immediately. I have enclosed a copy of your organization's credit report dated 1/1/0000 and circled the item described above.

The Fair Credit Reporting Act requires you to investigate and respond to this dispute within 30 days, yet you have failed to do so.

I feel it necessary to remind you that you may be liable for your willful non-compliance and that I am maintaining a careful record of my communications with you on this matter, in case your continued non-compliance forces me to file a complaint with the Federal Trade Commission. Please refer to Title 15 USC 41.

Do not delay further. Delete, (or Update/Correct) the information identified above and send the corrected credit profile to me and to all creditors who have received a copy within the last 6 months, and the last 2 years for employment purposes.

If your re-investigation was negative, please supply the description of the procedure used to determine the accuracy and completeness of the information to my address listed above.

Sincerely,

Signature

Your Printed Name

Credit Bureau Sample Letters to Home