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Richard
Moderator
Joined: 27 Jun 2006
Richard's page
Posts: 120
5395 Magic Points
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Subject: Sample dispute letter to remove credit report listing
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Fri Apr 04, 2008 10:40 am
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Your full Name:
Your permanent address:
Present contact number:
Name of credit reporting agency
Address of credit reporting agency
Dear Sir or Madam,
I would like to dispute some inaccurate information I have discovered on my credit report. The items I believe to be incorrect are listed below. I am also including a copy of my credit report with the disputed information highlighted.
- Creditor name and account number
- Description of the item
- Item(s) and an explanation of what you want the credit bureau to do with the information, along with valid proof to support your claim.
In compliance with the Fair Credit Reporting Agency (FCRA), I request that you investigate this matter and update my credit report accordingly.
If your investigation validates the listing, please provide me with an explanation if the procedure you used to validate the listing within 15 business days of your completion of the investigation, as per the FCRA. I also request that you send me a copy of the information you gathered as a result of the investigation.
If your investigation shows this listing to erroneous, please update my credit report and send me a copy of my updated credit report.
Sincerely,
Your signature
Your name
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Last edited by Richard on Fri Apr 04, 2008 10:49 am |
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Richard
Moderator
Joined: 27 Jun 2006
Richard's page
Posts: 120
5395 Magic Points
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Fri Apr 04, 2008 10:41 am
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Many a times people get confused regarding "when to apply for credit". This question becomes primary especially when one has inaccurate information in the credit report. Well, one should dispute inaccurate info before applying for credit. Hope this helps. This is the most required letter these days. Remember to keep a copy of the letter you send to remove credit report listing.
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goodnatured
Joined: 03 Nov 2007
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Posts: 3931
307 Magic Points
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883
1887 Magic Points
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Subject: credit
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Sun Apr 06, 2008 1:05 pm
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| I have recently pulled my credit report and saw that it contained listings which do not belong to me. I wanted to apply for new credit, can anyone tell me when to apply for credit? Should i dispute the inaccurate information in my credit report first? Would it be a good idea to send the Dispute Letter by Certified Mail, etc? How long is a 'reasonable' time to get a response? |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3931
307 Magic Points
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883
1887 Magic Points
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Subject: cb
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Mon Apr 07, 2008 4:12 am
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| Thanks for the response. It may seem like a lot of 'work' but, I'm sure it's ALL worth it. |
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Laura
Joined: 21 Jun 2007
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Posts: 1327
35604 Magic Points
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Mon Apr 07, 2008 11:32 am
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Usually a dispute investigation happens within 30 days of their receipt of your letter. So accordingly you get replied.
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Regards,
Laura. |
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goodnatured
Joined: 03 Nov 2007
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Posts: 3931
307 Magic Points
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3931
307 Magic Points
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Tue Apr 22, 2008 1:28 am
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Quick, with no results, I really wonder sometimes if they really look into things or not. I wish if they were going investigate they would give you the information that they have discovered and made the decision on. I think every piece of evidence they used to decide should be forwarded to you, after all it is your credit report, you should be privy to what is screwing it up, not just a straight answer, especially when it has a negative impact, and did not change the result.
There should be an appeal process to go along with this, what if you still disagree after the decision is made. If you still feel it is wrong, you should have another process to follow, like an independant investigation.
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4248
52 Magic Points
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Wed Apr 23, 2008 8:43 pm
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| I agree with you goodnatured. They should be required to send you a report from the investigation. So many things in the credit world doesn't seem fair or make sense. |
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Justin
Joined: 17 Jul 2006
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Posts: 1239
28944 Magic Points
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fireyone
Joined: 26 Feb 2008
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Posts: 4248
52 Magic Points
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Sun Apr 27, 2008 12:59 am
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| Good thinking Justin. I bet this would get good a lot farther in getting results. Hope she stops back in replies. |
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goodnatured
Joined: 03 Nov 2007
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Posts: 3931
307 Magic Points
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4248
52 Magic Points
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Mon May 05, 2008 10:30 pm
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| Some times the old fashioned way is better and gets more results. |
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goodnatured
Joined: 03 Nov 2007
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Posts: 3931
307 Magic Points
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