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Dispute Letters

Have you heard the phrase, "Nothing gets done without a letter"? Well, the same
holds true for disputing information in your consumer file. During our seminars
and classes we are always asked why we can't just dispute the information on the
computer? You can. However, doing so electronically gives the CRA's time to
gather the necessary information. Writing a letter requires human intervention on
their side and the process takes more time.

Remember, the CRA's have thirty to forty five days to respond to your letter (15 extra
days if they inform you more time is needed). If they do not respond within the
allotted time set forth by the FCRA then the information must be deleted.

Below, You'll find several letters to help you on your way.

LETTER
Remove Unauthorized Inquiries

LETTER
Remove Outdated Information

LETTER
Requesting A Free Credit Report

IMPORTANT: Always send letters by "official mail - return receipt requested"
and keep a copy for your records.


	Your Full Name Current Address Current Phone Number {Credit reporting agency name} {add CRA address here} Dear {credit reporting agency} This letter is a formal request to remove unauthorized inquiries from my credit report. I've enclosed a copy of the credit report that your organization provided me on {insert date of report}. I've listed the unauthorized inquiries below and also circled them in red on the enclosed report Line Item {insert number}: Creditor: {insert name of creditor(s) making the inquiry} Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at (insert daytime phone number including area code). Sincerely, Signature Printed Name

	Your Full Name Current Address Current Phone Number {Credit reporting agency name} {add CRA address here} Dear {credit reporting agency} This letter is a formal request to remove outdated information from my credit report. For easy reference, I've enclosed a copy of the credit report that your organization provided me on {insert date of report} with the outdated items circled in red. I've also listed the items below: Line Item {insert number}: {insert name and date of item} In accordance with the Fair Credit Reporting Act, Section 605 [15 U.S.C. § 1681c] "Running of Reporting Period", as of December 29, 1997, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired as of [insert date]. I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the address listed at the top of this letter. Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation in resolving this matter. If you have any questions concerning this issue I can be reached at: {insert daytime phone number including area code). Sincerely, Signature Printed Name

	Full Name Current Address Current Phone Number Name and Address of Credit Bureau Dear Credit Bureau, I am requesting a free copy of my credit report from your organization in accordance with the Fair Credit Reporting Act, Section 1681j (b) and (c). My qualifying reason(s) is/are (insert one or more of the qualifying reasons from above) For example: On {insert date here} I was refused credit by {name of creditor}. I've enclosed a copy of the creditor's refusal letter. Please use the following personal information to locate and forward the report to me: Full Legal Name: {insert your full name} Birthday: {insert your birth date in this format mm/dd/yyyy Social Security Number: {insert your 9-digit number} Current Address: {insert your complete address} Former Address: {insert previous addresses if you have moved more than once in the last five years) I've also enclosed copies of my driver's license, {or utility bill} showing my current address, and a photocopy of my Social Security card. Please do not share my information with any other agency. I look forward to your speedy reply and if you have any questions concerning this request I can be reached at {insert daytime phone number and area code). Thank you. Sincerely, Signature Your Printed Name

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