I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies.

The answer can be told to the clerk at the courthouse in person, or can be written down and given to the clerk in writing. It may be easier for you to answer in person.

Your letter should clearly identify each item in your report you dispute, state the facts, explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your credit report with the items in question circled.

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The Answer is your chance to tell the court your defenses or reasons why the plaintiff must not win the case. If you got a summons that says at the top the words: "CONSUMER CREDIT TRANSACTION," then you or your lawyer must come to court to answer.New York City residents can use this letter to dispute a debt, to verify a debt under NYC law, and to tell a collector to stop contacting them. Explain why you are disputing the debt. Here are a few reasons why you would dispute a debt: (1) You do not owe the debt;. 1. In the sample letter, fill in your personal information. This letter explains my credit history and why it is currently at (include your current or estimated credit score). Providing a letter that explains your credit can help if you have a low credit score. Use this sample letter to get your next apartment. Use this sample letter to dispute mistakes on your credit report.

Credit Letter Example With Reason In Queens

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How do I write a letter to dispute a collection on my credit report?

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