Delaware Sample Letter for Request for Removal of Derogatory Credit Information

• Category: Letters - Legal - Credit
• State: Multi-State
• 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 Code] [Email Address] [Phone Number] [Date] [Credit Bureau Name] [Credit Bureau Address] [City, State, Zip Code] Subject: Request for Removal of Derogatory Credit Information Dear [Credit Bureau Name], I am writing to request the removal of derogatory credit information from my credit report in accordance with the Fair Credit Reporting Act (FCRA). I believe that the information listed on my credit report is inaccurate and unjust, and I kindly request that you investigate this matter and remove any erroneous derogatory information promptly. I have carefully reviewed my credit report from [Credit Bureau Name] and have identified the following errors and inconsistencies: 1. [Specify the first type of derogatory credit information, e.g., Late Payment] — Account Name: [Name of Creditor— - Account Number: [Account Number] — Date Reported: [Date Reported— - Status: [Incorrect Status on Account] — Description of Error: [Explain the discrepancy or error] 2. [Specify the second type of derogatory credit information, if applicable] — Account Name: [Name of Creditor— - Account Number: [Account Number] — Date Reported: [Date Reported— - Status: [Incorrect Status on Account] — Description of Error: [Explain the discrepancy or error] Please note that I have attached supporting documents that validate my claims and highlight the inaccuracies in the derogatory credit information. These documents include [list supporting documents, such as bank statements, payment receipts, letters of correspondence, etc.]. Considering the FCRA guidelines, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. Therefore, I request that you conduct a thorough investigation into the disputed credit information and rectify any errors within 30 calendar days, as mandated by law. Additionally, I kindly request that you inform all entities that have accessed my credit report in the past 6 months of the corrections made to my credit file. This includes notifying all creditors, lenders, and other financial institutions that have obtained my credit information during this time period. I would greatly appreciate regular updates on the progress of this investigation and any actions taken by [Credit Bureau Name]. Please ensure that all future communications regarding this matter are in writing for record-keeping purposes. Thank you for your prompt attention to this matter. I have confidence in your ability to rectify this credit reporting discrepancy and restore the accuracy of my credit file. Should you require any additional information or documents, please do not hesitate to contact me directly at [Phone Number] or [Email Address]. Sincerely, [Your Name]

[Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Credit Bureau Name] [Credit Bureau Address] [City, State, Zip Code] Subject: Request for Removal of Derogatory Credit Information Dear [Credit Bureau Name], I am writing to request the removal of derogatory credit information from my credit report in accordance with the Fair Credit Reporting Act (FCRA). I believe that the information listed on my credit report is inaccurate and unjust, and I kindly request that you investigate this matter and remove any erroneous derogatory information promptly. I have carefully reviewed my credit report from [Credit Bureau Name] and have identified the following errors and inconsistencies: 1. [Specify the first type of derogatory credit information, e.g., Late Payment] — Account Name: [Name of Creditor— - Account Number: [Account Number] — Date Reported: [Date Reported— - Status: [Incorrect Status on Account] — Description of Error: [Explain the discrepancy or error] 2. [Specify the second type of derogatory credit information, if applicable] — Account Name: [Name of Creditor— - Account Number: [Account Number] — Date Reported: [Date Reported— - Status: [Incorrect Status on Account] — Description of Error: [Explain the discrepancy or error] Please note that I have attached supporting documents that validate my claims and highlight the inaccuracies in the derogatory credit information. These documents include [list supporting documents, such as bank statements, payment receipts, letters of correspondence, etc.]. Considering the FCRA guidelines, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. Therefore, I request that you conduct a thorough investigation into the disputed credit information and rectify any errors within 30 calendar days, as mandated by law. Additionally, I kindly request that you inform all entities that have accessed my credit report in the past 6 months of the corrections made to my credit file. This includes notifying all creditors, lenders, and other financial institutions that have obtained my credit information during this time period. I would greatly appreciate regular updates on the progress of this investigation and any actions taken by [Credit Bureau Name]. Please ensure that all future communications regarding this matter are in writing for record-keeping purposes. Thank you for your prompt attention to this matter. I have confidence in your ability to rectify this credit reporting discrepancy and restore the accuracy of my credit file. Should you require any additional information or documents, please do not hesitate to contact me directly at [Phone Number] or [Email Address]. Sincerely, [Your Name]