Sample Credit Repair Letters

Below you will find Credit Repair Letters you can use in your credit repair efforts. Just copy and paste the letter that fits your needs into your favorite word processor. Then follow our advice on do it yourself credit repair found here!

Legal Online Credit Repair

The following credit repair letters are a variation of the original letters found in "Financing Options To Increase Sales and Protect Yourself And Your Clients" written by Sherry Shindler Price and published by Ashley Crown Systems, Inc. 2002

Sample Credit Repair Letters
For Items in Credit Reports - Inaccurately Reported

Full Name
Street Address
City, State, Zip
Social Security #
Date Of Birth
Phone Number

Date

Name of Credit Bureau
Street Address
City, State, Zip

Attn: Customer Relations Department

I am requesting an immediate investigation of the items listed below. These accounts have been paid promptly and do not reflect my true and accurate credit history. These inaccuracies are highly injurious to my credit rating.

Creditor/Subscriber Name Account #

Reason you are disputing this item goes here!

In addition, I did not authorize the following credit inquiries. Please remove them immediately.

Creditor/Subscriber Name Date of Inquiry

Please forward me an updated credit report after you have completed your investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.

Sincerely,

(Signature)

FullName
(Price, 83-94)

Sample Credit Repair Letters
For Items in Credit Reports - Belonging to a Former Spouse

Full Name
Street Address
City, State, Zip
Social Security #
Date Of Birth
Phone Number

Date

Name of Credit Bureau
Street Address
City, State, Zip

Attn: Customer Relations Department

I am requesting an immediate investigation of the items listed below. These items are not my accounts or inquiries, they belong to my former spouse, (Spouse's Name.) Please remove them immediately to reflect my true and accurate credit history. These inaccuracies are highly injurious to my credit rating.

Creditor/Subscriber Name Account #

Reason you are disputing this item goes here!

In addition, I did not authorize the following credit inquiries. Please remove them immediately.

Creditor/Subscriber Name Date of Inquiry

Please forward me an updated credit report after you have completed your investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.

Sincerely,

(Signature)

Full Name
(Price, 83-94)

Sample Credit Repair Letters
For Items in Credit Reports - Not Belonging to the Consumer

Full Name
Street Address
City, State, Zip
Social Security #
Date Of Birth
Phone Number

Date

Name of Credit Bureau
Street Address
City, State, Zip

Attn: Customer Relations Department

I am requesting an immediate investigation of the items listed below. These items are not my accounts or inquiries. Please remove them immediately to reflect my true and accurate credit history. These inaccuracies are highly injurious to my credit rating.

Creditor/Subscriber Name Account #

Reason you are disputing this item goes here!

In addition, I did not authorize the following credit inquiries. Please remove them immediately.

Creditor/Subscriber Name Date of Inquiry

Please forward me an updated credit report after you have completed your investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.

Sincerely,

(Signature)

FullName
(Price, 83-94)

Sample Credit Repair Letters
No Response to a Dispute Letter

Full Name
Street Address
City, State, Zip
Social Security #
Date Of Birth
Phone Number

Date

Name of Credit Bureau
Street Address
City, State, Zip

Attn: Customer Relations Department

On (Date letter was sent), I sent you a letter requesting several items be investigated on my credit report. Please see the enclosed copy.

To date, I have received no response from you. Under The Fair Credit Reporting Act you are required to respond within a "reasonalbe period of time;" please do so.

Sincerely,

(Signature)

FullName
(Price, 83-94)

Sample Credit Repair Letters
Inaccurately Reported After Investigation Request

Full Name
Street Address
City, State, Zip
Social Security #
Date Of Birth
Phone Number

Date

Name of Credit Bureau
Street Address
City, State, Zip

Attn: Customer Relations Department

I am in disagreement with the items listed below which still appear on my credit report, even after your investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Creditor/Subscriber Name Account #

Reason Item is Incorrect:

Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-508, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.

Sincerely,

(Signature)

FullName
(Price, 83-94)

Sample Credit Repair Letters
Requesting Additional Items on Credit Report

Full Name
Street Address
City, State, Zip
Social Security #
Date Of Birth
Phone Number

Date

Name of Credit Bureau
Street Address
City, State, Zip

Attn: Customer Relations Department

At your earliest opportunity, please add the credit references below to my credit report.

Creditor/Subscriber Name Account #

Please forward me an updated credit report after you have completed your investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.

Sincerely,

(Signature)

FullName
(Price, 83-94)

Sample Credit Repair Letters
No Response to Follow Up of a Dispute Letter

Full Name
Street Address
City, State, Zip
Social Security #
Date Of Birth
Phone Number

Date

Name of Credit Bureau
Street Address
City, State, Zip

Attn: Customer Relations Department

On (Date first letter was sent), I sent you a letter requesting several highly derogatory items which do not pertain to me, be investigated on my credit report. Please see the enclosed copy.

Additionally, on (Date second letter was sent), I sent you a letter requesting that you expedite this investigation. Please see the enclosed copy. Since then, more that a reasonable amount of time has passed.

To date, I have not received a response to either letter! Please be advised that unless my credit investigation is completed by (Date 3 weeks from date of this letter), I will file a formal complaint with the Federal Trade Commission. I hope this will not be necessary.

Sincerely,

(Signature)

FullName
(Price, 83-94)

Sample Credit Repair Letters
Request for Subscriber Information on Unauthorized Credit Inquiries

Full Name
Street Address
City, State, Zip
Social Security #
Date Of Birth
Phone Number

Date

Name of Credit Bureau
Street Address
City, State, Zip

Attn: Customer Relations Department

At your earliest opportunity, please provide me the names, addresses and phone numbers of the subscribers listed below.

Creditor/Subscriber Name Date of Report

These subscribers ran unauthorized credit reports on me (please see enclosed copy) and I wish to contact them to determine the reason this occurred.

Your cooperation and prompt attention are greatly appreciated.

Sincerely,

(Signature)

FullName
(Price, 83-94)

Sample Credit Repair Letters
To Creditor Who Ran Unauthorized Credit Report

Full Name
Street Address
City, State, Zip

Date

Name of General Manager
Name of Creditor
Street Address
City, State, Zip

Dear (General Manager),

It has come to my attention that your company, on (date of inquiry) illegally ran a credit report on me. I did not authorize this report. This action on your part constitutes a violation of my rights under the Fair Credit Reporting Act and is highly injurious to my credit rating. I am kindly sending you this credit repair letter so you can correct this error.

Unless you immediately contact the credit bureau and remedy this situation, I will have no choice but to take legal action.

Please govern yourself accordingly.

Sincerely,

(Signature)

FullName

cc: Credit Bureau (Price, 83-94)

Sample Credit Repair Letters
Request to Add Consumer Statement to Credit Report

Full Name
Street Address
City, State, Zip
Social Security #
Date Of Birth
Phone Number

Date

Name of Credit Bureau
Street Address
City, State, Zip

Attn: Customer Relations Department

Pursuant to The Fair Credit Reporting Act, Public Law 91-508, Title VI, Section 611, Subsection B, I would like the following consumer statement added to my credit report.

Write your statement here, see example that follows "On (Date), I moved to my present address and notified all my creditors, including (Name of Creditor.) (Name of Creditor) was very slow in changing my address and as a result, I did not receive several monthly statements. The Post Office did not forward the mail, but notified (Name of Creditor) of my new address. I finally notified (Name of Creditor) that I was not receiving statements and it took them 4 weeks to respond. upon receipt, my balance was immediately paid in full. I have repeatedly asked (Name of Creditor) to correct this late payment information on my credit report, but again, they are very slow to respond."

Please send me a copy of my credit report as soon as this statement is added. This consumer statement is most important in explaining this unjust reflection on my credit report.

Your cooperation and prompt attention are greatly appreciated.

Sincerely,

(Signature)

FullName
(Price, 83-94)

Sample Credit Repair Letters
To Creditor Asking for Settlement of Outstanding Debt

Full Name
Street Address
City, State, Zip

Date

Name of Collection Manager
Name of Creditor
Street Address
City, State, Zip

Dear (Collection Manager),

Unfortunately I am unable to pay my debts to your company due to continuing employment problems as a result of my poor health. My present income is barely enough to survive on, leaving nothing for back payments. I have nothing of value to sell in order to raise the cash to satisfy my obligation to you.

However, I feel obligated to your company and am willing to offer a settlement of 25 cents on the dollar as payment in full.

Account # _______________________________________

Total Owed $ ____________________________________

Settlement Offered $ ____________________________(25% of total)

If these terms are acceptable to you, please sign below and return to me immediately. I will put my check for $_________________ in the return mail.

Also, please make a note after this item in my credit report stating "Call subscriber for current information" to assure future creditors that this matter has been settled.

Thank you for your kind consideration and your prompt attention.

Sincerely,

(Signature)

FullName

Approved by:

___________________________Collection Manager

___________________________Date(Price, 83-94)