Colorado Sample Letter for Request for Removal of Derogatory Credit Information
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How to fill out 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.