Request For Credit Report Part 1
As promised from my last post, here are some Dispute Letters you can send to the Credit Reporting Agencies.
Sample Letter 1 - Request for Credit Report
Your Name
123 Your Street Address
Your City, ST 01234
Big Credit Bureau
Their Street Address
Some City, ST 56789
12/10/2007
Dear Credit Bureau,
Please send me a copy of my credit report.
My full name is Your Name.
My birth-date is 01-01-1950.
My Social Security number is 123-45-6789.
My current address is 123 Your Street Address,
Your City, ST 01234.
I formerly lived at 456 Old Street Address, Old City, ST 34567.
Enclosed, also please find a photocopy of my driving license, showing my current address, and a photocopy of my Social Security card.
Please send the credit report as soon as you can. Thank you.
Sincerely,
your signature
Your Name
____________
CREDIT SECRETS BIBLE If You Can Read and Write at the 7th Grade Level Then I’ll Show You How To RAISE Your CREDIT SCORE up to 249 Points in Under 90 Days... So You Can Be APPROVED For That CAR, HOME, (even Business Loan) and Credit Cards You DESERVE!
___________
Sample Letter 2 - Dispute Letter
Your Name
123 Your Street Address
Your City, ST 01234
Big Credit Bureau
Their Street Address
Some City, ST 56789
01/11/2007
Dear Credit Bureau,
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.
Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible:
CREDITOR AGENCY, acct. 123-34567-ABC
The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Sincerely,
your signature
Your Name
SSN# 123-45-6789
_____________
Your Name
123 Your Street Address
Your City, ST 01234
Big Credit Bureau
Big Credit Bureau
Their Street Address
Some City, ST 56789
01/11/2007
Dear Credit Bureau,
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.
Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
The following information therefore needs to be re-investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible:
CREDITOR AGENCY, acct. 123-34567-ABC
The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Sincerely,
your signature
Your Name
SSN# 123-45-6789
_____________
Your Name
123 Your Street Address
Your City, ST 01234
Big Credit Bureau
Big Credit Bureau
Their Street Address
Some City, ST 56789
03/11/2007
RE: Dispute Letter of 02/11/2007
Dear Credit Bureau,
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of 02/11/2007, deposited by registered mail with the Post Office on that date.
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission (see 15 USC 41, et seq.). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), you may be liable for your willful non-compliance.
Be aware that I am making a final good will attempt to have you clear up this matter. You have 15 days to cure.
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and deleted from the report as soon as possible:
CREDITOR AGENCY, acct. 123-34567-ABC
The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Do not delay further.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Sincerely,
your signature
Your Name
SSN# 123-45-6789
_____________
Stay Tuned for Part 2 in my next posting. Til next time!
John V
John C. Vincent/CEO/The Opt.In Magic System
Labels: Credit Repair
posted by John C Vincent @ 7:18 AM
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