South Dakota 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 Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of derogatory credit information from my credit report, as I believe it has been inaccurately reported. I have recently reviewed my credit report, and upon careful examination, I have identified several items that require your attention. On [Date], I obtained a copy of my credit report from [Credit Bureau Name] and discovered the following erroneous entries: 1. [Describe the first derogatory credit item, including creditor name, account number (if known), and date of occurrence]. 2. [Describe the second derogatory credit item, including creditor name, account number (if known), and date of occurrence]. 3. [Continue this pattern for any additional derogatory credit items you wish to dispute]. I would like to emphasize that these derogatory credit items are incorrect and unjustly damage my creditworthiness. I have taken all necessary precautions to ensure the accuracy of my credit history by regularly monitoring my accounts and resolving any issues promptly. Therefore, I kindly request your assistance in investigating and subsequently removing these derogatory credit entries from my credit report. Enclosed with this letter are copies of the supporting documentation that substantiate my claims. I have highlighted specific sections relevant to each disputed derogatory credit item. The enclosed documents include: 1. [List the supporting documents for the first derogatory credit item]. 2. [List the supporting documents for the second derogatory credit item]. 3. [Continue this pattern for any additional supporting documents you have included]. I kindly ask that you initiate a thorough investigation into the mentioned derogatory credit items as per the Fair Credit Reporting Act (FCRA) guidelines. According to the FCRA's Section 611, you are required to complete this investigation within 30 days of receiving this dispute letter. Should you find after your investigation that the information on my credit report is indeed inaccurate or unverified, I request that you promptly remove the derogatory credit items from my file. Furthermore, I kindly request that you send me a written confirmation of the removal or correction made, along with a revised copy of my credit report. Please note that I have also sent a copy of this dispute letter to the original creditor associated with each disputed item, as per my rights under the FCRA. I appreciate your attention to this matter and expect a timely resolution. Please feel free to contact me via the provided contact details should you require any additional information or if there are any updates regarding my dispute. Thank you for your prompt assistance in resolving this matter. 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 Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of derogatory credit information from my credit report, as I believe it has been inaccurately reported. I have recently reviewed my credit report, and upon careful examination, I have identified several items that require your attention. On [Date], I obtained a copy of my credit report from [Credit Bureau Name] and discovered the following erroneous entries: 1. [Describe the first derogatory credit item, including creditor name, account number (if known), and date of occurrence]. 2. [Describe the second derogatory credit item, including creditor name, account number (if known), and date of occurrence]. 3. [Continue this pattern for any additional derogatory credit items you wish to dispute]. I would like to emphasize that these derogatory credit items are incorrect and unjustly damage my creditworthiness. I have taken all necessary precautions to ensure the accuracy of my credit history by regularly monitoring my accounts and resolving any issues promptly. Therefore, I kindly request your assistance in investigating and subsequently removing these derogatory credit entries from my credit report. Enclosed with this letter are copies of the supporting documentation that substantiate my claims. I have highlighted specific sections relevant to each disputed derogatory credit item. The enclosed documents include: 1. [List the supporting documents for the first derogatory credit item]. 2. [List the supporting documents for the second derogatory credit item]. 3. [Continue this pattern for any additional supporting documents you have included]. I kindly ask that you initiate a thorough investigation into the mentioned derogatory credit items as per the Fair Credit Reporting Act (FCRA) guidelines. According to the FCRA's Section 611, you are required to complete this investigation within 30 days of receiving this dispute letter. Should you find after your investigation that the information on my credit report is indeed inaccurate or unverified, I request that you promptly remove the derogatory credit items from my file. Furthermore, I kindly request that you send me a written confirmation of the removal or correction made, along with a revised copy of my credit report. Please note that I have also sent a copy of this dispute letter to the original creditor associated with each disputed item, as per my rights under the FCRA. I appreciate your attention to this matter and expect a timely resolution. Please feel free to contact me via the provided contact details should you require any additional information or if there are any updates regarding my dispute. Thank you for your prompt assistance in resolving this matter. Sincerely, [Your Name]