Hawaii 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. Subject: Request for Removal of Derogatory Credit Information in Hawaii Dear [Credit Bureau], I hope this letter finds you in good health. I am writing to formally request the removal of derogatory credit information listed on my credit report in the state of Hawaii. As a responsible consumer, I believe it is crucial to maintain accurate and fair credit information, and I am confident that the following derogatory entry on my report is erroneous. [Mention the specific derogatory credit information]: Type: [Collection Account/Bankruptcy/Foreclosure/Tax Lien/Repossession] Creditor's Name: [Name of Creditor] Account Number: [Account Number, if applicable] Date Reported: [Date the derogatory information was reported] I would like to clarify that my request is based on my rights under the Fair Credit Reporting Act (FCRA), which ensures fair, timely, and accurate reporting of credit information. It is my belief that the derogatory entry mentioned above does not accurately reflect my credit history, and I respectfully request its removal from my credit report. As per the provisions of the FCRA, I kindly request your assistance in conducting a thorough investigation into the accuracy of this derogatory credit information. During your investigation, I expect diligent efforts to be made to confirm the validity of the entry. Should you find that the derogatory information cannot be proven to be accurate, I request its immediate deletion from my credit report. Furthermore, I kindly ask you to provide me with a written confirmation of the removal and an updated copy of my credit report reflecting the changes made. In accordance with the FCRA, I am enclosing the following supporting documents for your convenience: 1. A copy of my driver's license or other government-issued identification. 2. Proof of my current address (utility bill, bank statement, etc.). 3. Relevant documents that verify the erroneous nature of the derogatory information (such as payment receipts, proof of account closure, etc.). I would like to bring to your attention that under federal law, you are required to respond to my written request within 30 days of receipt. Your failure to comply may result in legal consequences. I appreciate your understanding and cooperation in this matter. Your prompt attention to my request is greatly appreciated, as I am actively working towards financial stability and ensuring the accuracy of my credit profile. If you have any additional questions or require further information, please do not hesitate to contact me at the address or phone number provided below. Thank you for your time and consideration. Sincerely, [Your Full Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address]

Subject: Request for Removal of Derogatory Credit Information in Hawaii Dear [Credit Bureau], I hope this letter finds you in good health. I am writing to formally request the removal of derogatory credit information listed on my credit report in the state of Hawaii. As a responsible consumer, I believe it is crucial to maintain accurate and fair credit information, and I am confident that the following derogatory entry on my report is erroneous. [Mention the specific derogatory credit information]: Type: [Collection Account/Bankruptcy/Foreclosure/Tax Lien/Repossession] Creditor's Name: [Name of Creditor] Account Number: [Account Number, if applicable] Date Reported: [Date the derogatory information was reported] I would like to clarify that my request is based on my rights under the Fair Credit Reporting Act (FCRA), which ensures fair, timely, and accurate reporting of credit information. It is my belief that the derogatory entry mentioned above does not accurately reflect my credit history, and I respectfully request its removal from my credit report. As per the provisions of the FCRA, I kindly request your assistance in conducting a thorough investigation into the accuracy of this derogatory credit information. During your investigation, I expect diligent efforts to be made to confirm the validity of the entry. Should you find that the derogatory information cannot be proven to be accurate, I request its immediate deletion from my credit report. Furthermore, I kindly ask you to provide me with a written confirmation of the removal and an updated copy of my credit report reflecting the changes made. In accordance with the FCRA, I am enclosing the following supporting documents for your convenience: 1. A copy of my driver's license or other government-issued identification. 2. Proof of my current address (utility bill, bank statement, etc.). 3. Relevant documents that verify the erroneous nature of the derogatory information (such as payment receipts, proof of account closure, etc.). I would like to bring to your attention that under federal law, you are required to respond to my written request within 30 days of receipt. Your failure to comply may result in legal consequences. I appreciate your understanding and cooperation in this matter. Your prompt attention to my request is greatly appreciated, as I am actively working towards financial stability and ensuring the accuracy of my credit profile. If you have any additional questions or require further information, please do not hesitate to contact me at the address or phone number provided below. Thank you for your time and consideration. Sincerely, [Your Full Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address]