Subject: Colorado Sample Letter for Requesting Removal of Derogatory Credit Information Dear [Credit Bureau], I hope this letter finds you well. I am writing to dispute the accuracy of certain derogatory credit information that is currently listed on my credit report. As a resident of Colorado, I am aware of my rights under the Fair Credit Reporting Act (FCRA), which entitles me to request an investigation regarding the disputed items. Accordingly, I kindly request that you investigate the following derogatory credit information and remove any inaccuracies from my credit report: 1. [Type of Derogatory Credit Information]: Provide a detailed description of the derogatory credit information you wish to dispute. Whether it's a late payment, charge-off, collection account, bankruptcy, or tax lien, be specific about the nature of the derogatory item. 2. [Additional Type of Derogatory Credit Information]: If applicable, specify any other derogatory credit information you believe to be inaccurate and require investigation. Upon receiving this letter, I understand that you have 30 days, as per federal law, to complete your investigation and respond to me in writing. Please provide me with a copy of my updated credit report reflecting the removal of any disputed derogatory credit information. Enclosed with this letter, please find copies of any supporting documentation that serves as evidence of the inaccuracies in my credit report. I strongly urge you to consider this evidence when investigating the disputed items thoroughly. Furthermore, it is crucial to note that under Colorado law, if it is found that the derogatory credit information is indeed inaccurate, you must remove it from my credit report and cease any further reporting of the disputed item to other credit reporting agencies. In accordance with the FCRA, I request that you provide me with written notification of the results of your investigation. Additionally, if any changes are made to my credit report, I expect to receive an updated copy of my credit report once the investigation is complete, free of charge. Please ensure that this matter is handled promptly and efficiently, as the inaccurate derogatory credit information is adversely affecting my creditworthiness and financial opportunities. I deeply appreciate your immediate attention to this matter. Thank you for your assistance in resolving this dispute. I look forward to a swift resolution and a favorable outcome. Should you require additional information or have any questions regarding my request, please do not hesitate to contact me at the address and phone number listed below. Sincerely, [Your Full Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address] Enclosures: 1. Supporting Documentation.
Colorado Sample Letter for Request for Removal of Derogatory Credit Information
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How to fill out Colorado Sample Letter For Request For Removal Of Derogatory Credit Information?
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FAQ
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.
You should dispute a debt if you believe you don't owe it or the information and amount is incorrect. While you can submit your dispute at any time, sending it in writing within 30 days of receiving a validation notice, which can be your initial communication with the debt collector.
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.
You cannot remove collections from your credit report without paying if the information is accurate, but a collection account will fall off your credit report after 7 years whether you pay the balance or not.
In general, a 609 letter is not a legal loophole that consumers can use to remove accurate information from their credit reports. This means they can't relieve you of any verifiable debt. If a credit bureau is able to verify your debt, it will stay on your report. They also can't relieve you of your existing debt.
A 609 letter is a formal document consumers use to request more information about account details listed on their credit reports they believe to be erroneous and to request the removal or correction of this inaccurate information.
A 609 letter can help you verify information and identify errors on your credit report. It can also uncover ?hidden? details that don't show up in your free credit report. Section 604 explains the circumstances in which the credit bureaus can release your credit information to various entities.
Dear [insert collector's name] [or Collection Manager], I am writing in reference to a debt claimed under the account number listed above. I wish to settle this debt in full without prejudice, in return for removal of its ?charge-off? status with any credit reporting agency that you have reported to.