Credit Repair Dispute Letter Requesting The Removal Of Inaccurate InformationSending a credit repair dispute letter is a crucial step in the credit improvement process. Here is an example of a form letter that you want to send to remove negative inaccurate accounts from your reports. (continued below)Experian Consumer Services To Whom It May Concern,Hello my name is Darren Harris, my current address is 11 rain way, Chicago IL 60638, my SSN is 987-65-3210 and DOB is 12/17/1977. I am writing to you in reference to a negative inaccurate item listed on my credit report. I have just viewed my credit report online and noticed that there is an account that is on my report that does not belong to me. Here are the details of the account; Wells Fargo Mastercard with the account number XXXX-XXXX-XXXX-XXXX. I would like you to please investigate the account with the information furnisher (creditor) and try to obtain proof that the account is actually mine. During your investigation you will find that the account does not belong on my credit report. According to the Fair Credit Reporting Act you are required to follow procedures to make sure inaccurate accounts get deleted from my credit report and you have thirty days to investigate this dispute. Once you have concluded your investigation please write me at my current address with the outcome of your findings. Also please send me an updated credit report with any changes that are made to my report upon completing your investigation. Sincerely, Darren Harris. It is also important that any letter you send to the credit bureaus be in your own words. In other words you do not want to copy this letter or any other word for word and send to them. Keep in mind that the credit bureaus receive probably hundreds of letters on a regular basis and you want yours to be unique and also make the credit bureaus aware that you know your rights under the law. (Don't forget to check out the 37days credit repair course It gives you numerous examples of dispute letters for different situations. In the above letter I did this by mentioning the fact that I know my rights according to the Fair Credit Reporting Act. It is a good idea to mention that when you write your own letter as well.
Send your letter registered mail to make sure you know exactly when the bureaus receive it in the mail. Recent
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