How do you ask a creditor to close a closed account?

You can use a goodwill letter to request that a creditor remove a closed, paid account from your credit report. Creditors don't have to give in to a goodwill request, no matter how nicely you ask, but you may get lucky and find one who's sympathetic to your request.

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Credit Letter to Close Account

North Carolina Credit Letter to Close Account

Name: North Carolina Credit Letter to Close Account
Brand: US Legal Forms
Rating: 4.55 (477 reviews)

Category:

Letters - Credit - Debt Settlements

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Multi-State

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US-MC-0001

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Credit Letter to Close Account

How to fill out North Carolina Credit Letter To Close Account?

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The National Credit Act (Act 34 of 2005) stipulates that if you were blacklisted and have paid the debt for which you were listed, you may apply to the credit bureau where you were listed to have your name removed from that list. This can be done by applying for the cancellation of that blacklisting.

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 can use a goodwill letter to request that a creditor remove a closed, paid account from your credit report. Creditors don't have to give in to a goodwill request, no matter how nicely you ask, but you may get lucky and find one who's sympathetic to your request.

Highlights: Most negative information generally stays on credit reports for 7 years. Bankruptcy stays on your Equifax credit report for 7 to 10 years, depending on the bankruptcy type. Closed accounts paid as agreed stay on your Equifax credit report for up to 10 years.

The easiest step is to approach the business to whom you owe money and settle the account. Often, you can negotiate a settlement with them. Afterward, you can ask your creditor to write a letter to the credit bureaus exonerating you of the debt because you've paid it.

As long as they stay on your credit report, closed accounts can continue to impact your credit score. If you'd like to remove a closed account from your credit report, you can contact the credit bureaus to remove inaccurate information, ask the creditor to remove it or just wait it out.

You're generally able to remove yourself as an authorized user by calling the credit card issuer and requesting the change. You may also be able to ask to remove yourself from the account online, depending on the company.

It would assist me tremendously if you could make a goodwill adjustment that removes this negative payment entry from my three credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. Thank you for your consideration.

When you close accounts, the correct way is to call or send a letter to the customer service department of the card issuer (not the credit reporting company). You should receive an account closing confirmation letter in 10 days. You shouldn't be tempted to cancel several accounts all at once when you close accounts.

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North Carolina Credit Letter to Close Account

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