Subject: Request for Removal of Derogatory Credit Information in North Carolina Dear [Credit Bureau], I am writing to request the removal of certain derogatory credit information from my credit report. I understand that as a resident of North Carolina, I have certain rights and protections under the Fair Credit Reporting Act (FCRA) and the North Carolina Credit Reporting Act (ACCRA). I believe that the following information is inaccurate or outdated and should be removed: 1. [Specify the derogatory credit information]: This particular information is incorrect and does not reflect my credit history accurately. I have thoroughly reviewed my credit report and have evidence to support this claim. Under the FCRA and ACCRA, it is your responsibility to investigate any disputed items on my credit report within 30 days of receiving a written dispute and to ensure the accuracy of the information you report. If you find that the items in question are indeed inaccurate, I kindly request their removal from my credit report. I have enclosed the following supporting documentation: 1. [Attach any documents that prove the inaccuracy or incorrectness of the credit information] As per the FCRA and ACCRA, I also request that you provide me with a free copy of my updated credit report once the investigation is completed. Furthermore, as North Carolina law requires you to notify me of any actions taken or results obtained as part of the investigation, I kindly request that you keep me informed regarding the progress of the investigation. Please be advised that inaccurate credit information not only affects my creditworthiness but also hinders my ability to access credit, obtain favorable interest rates, and attain financial goals. Therefore, I hope you understand the importance of addressing and resolving this matter promptly. I appreciate your attention to this matter and look forward to receiving a favorable response within the required time frame. Should you have any further questions or require additional information, please do not hesitate to contact me at the address provided below or via email at [Your Email Address]. Thank you for your cooperation. Sincerely, [Your Full Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address] Additional North Carolina Sample Letters for Request for Removal of Derogatory Credit Information can include: 1. North Carolina Sample Letter for Requesting Verification of Debt: This is used when a consumer wishes to verify the validity of a debt reported on their credit report. 2. North Carolina Sample Letter for Requesting Removal of Outdated Credit Information: Highlighting the outdated information that should be removed, this letter specifically targets inaccurate or expired items. 3. North Carolina Sample Letter for Requesting Investigative Results: Once an investigation is complete, this letter can be sent to request detailed information about the actions taken and the results obtained during the investigation process. Remember, it is essential to customize these sample letters to fit your specific situation and address any particular inaccuracies you intend to dispute.