Mecklenburg North Carolina Sample Letter for Request for Removal of Derogatory Credit Information

• Category: Letters - Legal - Credit
• State: Multi-State
• County: Mecklenburg
• Control #: US-0900LTR
• Format: Word; Rich Text

Description

This form is a sample letter in Word format covering the subject matter of the title of the form. [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Today's Date] [Credit Bureau Name] [Credit Bureau Address] [City, State, ZIP] Subject: Request for Removal of Derogatory Credit Information — Account [Account Number] Dear Sir/Madam, I am writing to request the removal of derogatory credit information associated with my credit report. After thoroughly reviewing my credit history, I have identified several inaccuracies and outdated negative entries that are tarnishing my creditworthiness. Specifically, I have noticed the following inaccuracies in my credit report: 1. [Describe the first derogatory entry on your credit report, providing as much detail as possible, such as the account name, account number, and date of the entry.] 2. [Describe the second derogatory entry on your credit report, providing the necessary details.] 3. [Continue to describe any additional derogatory entries, numbering them accordingly.] I understand that it is my responsibility to ensure the accuracy and validity of the information on my credit report. According to the Fair Credit Reporting Act (FCRA), consumers have the right to dispute any inaccurate or incomplete information. To support my request for the removal of these erroneous entries, I have enclosed the following documents: 1. Copies of supporting documentation showing that the disputed items are incorrect or outdated (i.e., payment receipts, settlement agreements, or proof of account closure). 2. A copy of my credit report highlighting the disputed entries to ease the review process. Based on the FCRA guidelines, I kindly request that you initiate an investigation into the listed items and promptly correct any inaccuracies found. Additionally, I request that you provide me with a written summary of the results of your investigation, including any changes made to my credit report. Please note that I understand the time restrictions outlined by the FCRA. Therefore, I kindly request that you complete the investigation within the statutory period of 30 days from the date of this letter. Should you require any further information in relation to this request, please do not hesitate to contact me using the provided contact information. I appreciate your attention to this matter and anticipate a prompt resolution. Thank you for your cooperation in correcting these inaccuracies and helping me restore my creditworthiness. Sincerely, [Your Name]

[Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Today's Date] [Credit Bureau Name] [Credit Bureau Address] [City, State, ZIP] Subject: Request for Removal of Derogatory Credit Information — Account [Account Number] Dear Sir/Madam, I am writing to request the removal of derogatory credit information associated with my credit report. After thoroughly reviewing my credit history, I have identified several inaccuracies and outdated negative entries that are tarnishing my creditworthiness. Specifically, I have noticed the following inaccuracies in my credit report: 1. [Describe the first derogatory entry on your credit report, providing as much detail as possible, such as the account name, account number, and date of the entry.] 2. [Describe the second derogatory entry on your credit report, providing the necessary details.] 3. [Continue to describe any additional derogatory entries, numbering them accordingly.] I understand that it is my responsibility to ensure the accuracy and validity of the information on my credit report. According to the Fair Credit Reporting Act (FCRA), consumers have the right to dispute any inaccurate or incomplete information. To support my request for the removal of these erroneous entries, I have enclosed the following documents: 1. Copies of supporting documentation showing that the disputed items are incorrect or outdated (i.e., payment receipts, settlement agreements, or proof of account closure). 2. A copy of my credit report highlighting the disputed entries to ease the review process. Based on the FCRA guidelines, I kindly request that you initiate an investigation into the listed items and promptly correct any inaccuracies found. Additionally, I request that you provide me with a written summary of the results of your investigation, including any changes made to my credit report. Please note that I understand the time restrictions outlined by the FCRA. Therefore, I kindly request that you complete the investigation within the statutory period of 30 days from the date of this letter. Should you require any further information in relation to this request, please do not hesitate to contact me using the provided contact information. I appreciate your attention to this matter and anticipate a prompt resolution. Thank you for your cooperation in correcting these inaccuracies and helping me restore my creditworthiness. Sincerely, [Your Name]