Subject: Request for Removal of Derogatory Credit Information — [Your Name] Dear [Credit Bureau's Name], I am writing this letter to formally request the removal of derogatory credit information from my credit report. I have recently reviewed my credit report and noticed certain inaccurate and outdated information that is negatively impacting my creditworthiness. As an Arizona resident, I am aware of my rights under the Fair Credit Reporting Act (FCRA) and the Arizona Credit Reporting Act (ACRE), which protect consumers like me against erroneous reporting. I kindly request that you investigate the following items and remove them from my credit report accordingly: 1. [Specify First Derogatory Item]: — Account Name: [Creditor's Name— - Account Number: [Account Number] — Date of Opening: [Date— - Reason for Removal Request: [Provide a brief explanation for why you believe this information is erroneous or outdated] 2. [Specify Second Derogatory Item]: — Account Name: [Creditor's Name] — Account Number: [Account Number— - Date of Opening: [Date] — Reason for Removal Request: [Provide a brief explanation for why you believe this information is erroneous or outdated] I kindly request that you conduct a thorough investigation into these items promptly. Please provide me with a written confirmation of the removal or a detailed explanation if the information is verified as accurate. Additionally, I request that you send me an updated copy of my credit report once the necessary amendments have been made. Under the FCRA and ACRE, it is the credit bureau's responsibility to remove any inaccurate, unverifiable, or outdated information from my credit report within 30 days of receiving a dispute. Failing to do so may have legal consequences, and I am prepared to take any necessary steps to protect my rights. Please find enclosed copies of documents supporting my claims, such as canceled checks, correspondence, or any other relevant information. I kindly request that you consider these materials during your investigation. Finally, I would appreciate your cooperation in resolving this matter as promptly as possible. It is crucial for me to have an accurate credit report for future financial endeavors. Your assistance will greatly contribute to rectifying this unfortunate situation and ensuring fair credit reporting practices. Thank you for your attention to this matter. I look forward to receiving a favorable response within the legally mandated time frame. Sincerely, [Your Name] [Your Address] [City, State, Zip Code] [Phone Number] [Email Address]
Arizona Sample Letter for Request for Removal of Derogatory Credit Information
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How to fill out Arizona Sample Letter For Request For Removal Of Derogatory Credit Information?
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I am requesting that this item be removed [or request another specific change to correct the information]. [List and describe any other items you are disputing.] Enclosed is documentation supporting my request: [describe the documents you're sending, for instance: my credit report, with the disputed items circled.]
One possible solution: You may be able to remove late payments on your credit reports and start to improve your credit with a ?goodwill letter.? A goodwill letter won't always work, but some consumers have reported success. It's worth trying because these derogatory marks on your credit can last seven years.
A 609 letter (also called a credit dispute letter) is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. It's named after section 609 of the Fair Credit Reporting Act (FCRA), a federal law that protects consumers from unfair credit and collection practices.
Clearly state that you are requesting to remove a closed account from your credit report. Provide details about the account, including the account number, if available. Explain why removing the account would benefit you, e.g., to improve your credit score or correct an inaccuracy.
After writing a general dispute letter or a 609 credit disputing letter, followed by a 611 credit disputing letter, consumers can send a 623 credit disputing letter. With a 623 credit disputing letter, consumers request the credit agency to provide evidence to validate that the debt is theirs.
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.
Pursue a "goodwill" deletion. Send a written request to remove the account from your credit report directly to the creditor that reported the information to the credit bureau, McClary says. Ask politely if the creditor will remove the account now that it is no longer active.