Dear [Creditor's Name], I am writing to request the removal of derogatory credit information from my credit report, specifically related to [describe the account, such as an unpaid medical bill or a late payment]. I believe this information is inaccurate and unfair, and I kindly request your assistance in rectifying this matter. According to the Fair Credit Reporting Act (FCRA), I have the right to dispute any information on my credit report that I believe to be incorrect. As such, I am seeking to exercise my rights under this act to ensure the accuracy and fairness of my credit history. Upon reviewing my credit report, I noticed that the derogatory information was reported by your company. However, I have evidence that suggests this information is erroneous. [Provide any supporting documents or evidence to back up your claim, such as payment receipts or communication records.] I kindly request that you investigate this matter and remove the derogatory credit information from my credit report promptly. I understand that it may take up to 30 days for this process to be completed. However, I urge you to prioritize this request to resolve the issue as soon as possible. Failure to address this dispute in a timely manner may leave me with no alternative but to escalate this matter to the appropriate regulatory authorities or seek legal action to protect my rights. Please provide written confirmation once the derogatory credit information has been removed from my credit report. Additionally, I request that you inform all credit bureaus you have reported to of this resolution. Thank you for your prompt attention to this matter. I trust that you will handle this dispute diligently and fairly. Should you require any additional information or have any questions, please do not hesitate to contact me at the address or phone number provided below. Sincerely, [Your Name] [Your Address] [Your City, State, Zip Code] [Your Phone Number] [Your Email Address] Different types of Wisconsin Sample Letter for Request for Removal of Derogatory Credit Information may include variations based on specific situations, such as multiple incorrect reporting, identity theft, or date discrepancies. The fundamental structure and purpose of the letter, however, remain the same — to dispute inaccurate credit information and request its removal from the credit report.
Wisconsin Sample Letter for Request for Removal of Derogatory Credit Information
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FAQ
A business uses a 623 credit dispute letter when all other attempts to remove dispute information have failed. It refers to Section 623 of the Fair Credit Reporting Act and contacts the data furnisher to prove that a debt belongs to the company.
A 609 letter (also called a credit dispute letter) is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. It's named after section 609 of the Fair Credit Reporting Act (FCRA), a federal law that protects consumers from unfair credit and collection practices.
Are 609 letters effective? There's no evidence to suggest a 609 letter is more or less effective than the usual process of disputing an error on your credit report?it's just another method of gathering information and seeking verification of the accuracy of the report.
After writing a general dispute letter or a 609 credit disputing letter, followed by a 611 credit disputing letter, consumers can send a 623 credit disputing letter. With a 623 credit disputing letter, consumers request the credit agency to provide evidence to validate that the debt is theirs.
The 623 dispute method allows you to dispute any inaccurate information on your credit report directly with the original creditor.
But they have different purposes, and only Section 609 will support a dispute letter. Under the FCRA, Section 604 defines the circumstances under which a consumer reporting agency may furnish a consumer report. This section is titled ?Permissible purposes of consumer reports.?
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.
Include your personal information and details concerning the charge-off in your letter. If you have evidence proving that the charge-off is inaccurate, you should provide it. Make sure to give the credit bureau clear information concerning your debt, including the creditor's name and account number.