This form is a sample letter requesting the removal of inaccurate information. Always include any copies of proof you may have (e.g., copies of cancelled checks showing timely payments). If the person claims that the information of the bureau is erroneous, the bureau must take steps within a reasonable time to determine the accuracy of the disputed items. If no correction is made, the debtor can write a 100 word statement of clarification which will be included in future credit reports, even it the agency disagrees with clarification.
A Letter of Deletion for Credit Report is a written request sent to a credit bureau or credit reporting agency to remove inaccurate or outdated information from an individual's credit report. This letter serves as a formal request for the removal of incorrect or unverifiable data that may be negatively affecting one's creditworthiness. Keywords: Letter of Deletion, Credit Report, Credit Bureau, Credit Reporting Agency, Inaccurate Information, Outdated Information, Request, Removal, Incorrect Data, Unverifiable Data, Creditworthiness. There are several types of Letter of Deletion that can be used for specific situations: 1. Letter of Deletion for Inaccurate Personal Information: This type of letter is used when there are errors related to personal details, such as name misspelling, incorrect address, or wrong date of birth on the credit report. It requests the prompt removal or correction of these inaccuracies. 2. Letter of Deletion for Duplicate Accounts: In case the credit report contains duplicate entries for a single account, this letter requests the credit bureau to remove the duplicates and maintain only the accurate and complete information. 3. Letter of Deletion for Paid Off Debts: If a debt has been fully settled or paid off, this letter is sent to the credit bureau along with relevant documentation as proof of payment. It requests the removal of the account from the credit report, as it should no longer negatively impact the individual's credit score. 4. Letter of Deletion for Identity Theft: If a person becomes a victim of identity theft, resulting in fraudulent accounts or incorrect information on their credit report, they can write this letter to the credit bureau. The letter outlines the unauthorized activities and requests the immediate removal of all fraudulent accounts from the credit report. 5. Letter of Deletion for Outdated Negative Information: This type of letter is used when negative information, such as late payments or defaulted accounts, remains on the credit report for an extended period beyond the legally allowed reporting time. This letter requests the credit bureau to delete such outdated negative information, as it may unfairly impact the individual's creditworthiness. By using the appropriate type of Letter of Deletion for Credit Report, individuals can take necessary steps to address incorrect or harmful information on their credit reports, ultimately resulting in an improved credit score and better financial opportunities.
Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés. For your convenience, the complete English version of this form is attached below the Spanish version.
