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.
Dear [Credit Bureau], I am writing to request the removal of inaccurate information from my credit report. I recently reviewed my credit report and noticed discrepancies that are negatively impacting my credit score. The discrepancies are specifically related to my personal information and account statuses, and I believe it is crucial to rectify these errors promptly. Firstly, I would like to address the incorrect personal information on my credit report. My current address is [Your Current Address], not [Incorrect Address Listed on Report]. Additionally, I have never lived at [Previous Address Listed on Report]. Please update my information to reflect my current address accurately. Furthermore, there are errors concerning account statuses that require immediate attention. The credit report indicates that my credit card account with [Credit Card Company] is delinquent, while in reality, this account is in good standing and regularly paid on time. This inaccurate information is significantly impacting my creditworthiness and needs to be corrected promptly. Moreover, the credit report also reflects a collection account from [Collection Agency] for a debt that is not mine. After thorough investigation, I have determined that this account has been incorrectly associated with my name. I kindly request the removal of this collection account as it is misleading and damaging to my credit profile. It is important to note that these discrepancies were neither authorized nor authorized by me. I understand the importance of providing accurate and reliable information to lenders, and these inaccuracies undermine my ability to obtain credit or financial services, decreasing my chances of securing favorable terms and interest rates. Please conduct a thorough investigation into these matters and promptly remove the inaccurate information from my credit report. I kindly request written confirmation once these corrections are made and my credit report is accurately updated. Thank you for your immediate attention to this matter. I look forward to resolving these issues promptly and restoring the accuracy of my credit report. Sincerely, [Your Name] Keywords: Bronx New York, letter to credit bureau, inaccurate information, credit report, discrepancies, personal information, account statuses, credit score, inaccuracies, update, delinquent account, credit card, debt collection account, creditworthiness, misleading, damage, lenders, investigation, favorable terms, interest rates, financial services, written confirmation, accuracy, restore, immediate attention, rectify.Dear [Credit Bureau], I am writing to request the removal of inaccurate information from my credit report. I recently reviewed my credit report and noticed discrepancies that are negatively impacting my credit score. The discrepancies are specifically related to my personal information and account statuses, and I believe it is crucial to rectify these errors promptly. Firstly, I would like to address the incorrect personal information on my credit report. My current address is [Your Current Address], not [Incorrect Address Listed on Report]. Additionally, I have never lived at [Previous Address Listed on Report]. Please update my information to reflect my current address accurately. Furthermore, there are errors concerning account statuses that require immediate attention. The credit report indicates that my credit card account with [Credit Card Company] is delinquent, while in reality, this account is in good standing and regularly paid on time. This inaccurate information is significantly impacting my creditworthiness and needs to be corrected promptly. Moreover, the credit report also reflects a collection account from [Collection Agency] for a debt that is not mine. After thorough investigation, I have determined that this account has been incorrectly associated with my name. I kindly request the removal of this collection account as it is misleading and damaging to my credit profile. It is important to note that these discrepancies were neither authorized nor authorized by me. I understand the importance of providing accurate and reliable information to lenders, and these inaccuracies undermine my ability to obtain credit or financial services, decreasing my chances of securing favorable terms and interest rates. Please conduct a thorough investigation into these matters and promptly remove the inaccurate information from my credit report. I kindly request written confirmation once these corrections are made and my credit report is accurately updated. Thank you for your immediate attention to this matter. I look forward to resolving these issues promptly and restoring the accuracy of my credit report. Sincerely, [Your Name] Keywords: Bronx New York, letter to credit bureau, inaccurate information, credit report, discrepancies, personal information, account statuses, credit score, inaccuracies, update, delinquent account, credit card, debt collection account, creditworthiness, misleading, damage, lenders, investigation, favorable terms, interest rates, financial services, written confirmation, accuracy, restore, immediate attention, rectify.
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.
