Houston Texas Sample Letter for Request for Removal of Derogatory Credit Information

• Category: Letters - Legal - Credit
• State: Multi-State
• City: Houston
• 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 Reporting Agency Name] [Address] [City, State, ZIP Code] Subject: Request for Removal of Derogatory Credit Information Dear Sir/Madam, I hope this letter finds you in good health. I am writing to request the removal of derogatory credit information from my credit report, as provided by [Credit Reporting Agency Name]. I believe this information is inaccurate and/or outdated and is negatively affecting my creditworthiness. As per the Fair Credit Reporting Act (FCRA), I have the rights to obtain a free copy of my credit report annually and dispute any false or erroneous information present in it. Upon reviewing my recent credit report, I noticed the following derogatory entries that require your attention: 1. [Specify the first derogatory entry, including the name of the creditor, account number, and date of delinquency, if available.] 2. [Specify the second derogatory entry, with necessary details.] 3. [Continue listing all other derogatory entries, if applicable.] Upon careful examination of the provided entries, I have identified several discrepancies, outdated information, and inaccuracies. To rectify this matter, I kindly request immediate investigation and verification of the disputed items. If any of the mentioned entries cannot be validated, I request their removal from my credit report. Enclosed with this letter are copies of relevant supporting documents, such as payment receipts, cancellation notices, or any other evidence supporting my claim. I urge you to thoroughly investigate the disputed items to ensure the accuracy and fairness of my credit report. Furthermore, I request that in compliance with the FCRA, you provide me with written notification of the results of your investigation within the legally mandated 30-day period. If any derogatory items are indeed found to be inaccurate or unverifiable, please promptly remove them from my credit report and provide me with an updated copy. Please note that according to the FCRA, failure to comply with a proper investigation request within the given time frame may result in legal consequences. It is in both our interests to resolve this matter promptly and amicably. I appreciate your attention to this matter and your assistance in rectifying the inaccuracies in my credit report. I hope for a swift resolution in accordance with the FCRA guidelines. Furthermore, I can be reached at [Your Phone Number] or [Your Email Address] if you require any further information or supporting documents. Thank you for your immediate attention to this matter. Sincerely, [Your Name]

[Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Credit Reporting Agency Name] [Address] [City, State, ZIP Code] Subject: Request for Removal of Derogatory Credit Information Dear Sir/Madam, I hope this letter finds you in good health. I am writing to request the removal of derogatory credit information from my credit report, as provided by [Credit Reporting Agency Name]. I believe this information is inaccurate and/or outdated and is negatively affecting my creditworthiness. As per the Fair Credit Reporting Act (FCRA), I have the rights to obtain a free copy of my credit report annually and dispute any false or erroneous information present in it. Upon reviewing my recent credit report, I noticed the following derogatory entries that require your attention: 1. [Specify the first derogatory entry, including the name of the creditor, account number, and date of delinquency, if available.] 2. [Specify the second derogatory entry, with necessary details.] 3. [Continue listing all other derogatory entries, if applicable.] Upon careful examination of the provided entries, I have identified several discrepancies, outdated information, and inaccuracies. To rectify this matter, I kindly request immediate investigation and verification of the disputed items. If any of the mentioned entries cannot be validated, I request their removal from my credit report. Enclosed with this letter are copies of relevant supporting documents, such as payment receipts, cancellation notices, or any other evidence supporting my claim. I urge you to thoroughly investigate the disputed items to ensure the accuracy and fairness of my credit report. Furthermore, I request that in compliance with the FCRA, you provide me with written notification of the results of your investigation within the legally mandated 30-day period. If any derogatory items are indeed found to be inaccurate or unverifiable, please promptly remove them from my credit report and provide me with an updated copy. Please note that according to the FCRA, failure to comply with a proper investigation request within the given time frame may result in legal consequences. It is in both our interests to resolve this matter promptly and amicably. I appreciate your attention to this matter and your assistance in rectifying the inaccuracies in my credit report. I hope for a swift resolution in accordance with the FCRA guidelines. Furthermore, I can be reached at [Your Phone Number] or [Your Email Address] if you require any further information or supporting documents. Thank you for your immediate attention to this matter. Sincerely, [Your Name]