Credit Report Dispute Letters Template
2010
Where do I go to find letter templates to dispute items found on my credit report?
I found a lot of stuff that does not belong to mefalse informationetc., etc.
I posted the links to several sites with sample letters. I think those and the other links will help you out a lot.
Just a word of caution. Before you start doing battle with the Credit Reporting Agencies (CRA’s), you must first read and understand the Fair Credit Reporting Act. It goes into the procedures that you must follow exactly if you want these items removed. Remember, CRA’s do not remove or change items on your report. Only the creditor can do that.
So, your first step is to ask the CRA to “verify” the listing. The CRA does NOT investigate anything. They will simply contact the creditor and ask if it’s a legitimate debt, and if the information is correct. If the credit says “yes” (in almost all cases I’ve messed with), then the report will stay in your records, but will now have a note that it is being disputed.
You must now send a letter to the creditor demanding that they “VALIDATE” the debt. Use the sample letter below for that. Validate means they must supply you with copies of contracts, bills, receipts, or anything that was used to calculate the debt they claim you owe. If they do not respond back in 30 days, or if they do not remove the listing, they are in violation of the FCRA and you can sue them in court for penalties and damages.
Keep all letter and record any phone calls you make. Send letters by certified mail so you have proof you sent them. DO NOT be afraid to threaten lawsuits if they do not comply. I’ve helped several people fix problems, plus cleaned up my open report from a lot of wrong information and ID Theft. The threat of a lawsuit is the only thing these guys seem to understand.
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