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Richard
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Joined: 27 Jun 2006
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Posts: 126
5047 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 CRA
Address of CRA
Dear CRA (Give the name here),
I would like to dispute the inaccurate information on my credit file. The item(s) have been listed below and a copy of the credit report has been attached with erroneous information circled in red.
Creditor name, account number
Item(s) and description of what you want to do with it (i.e. correct the item or remove the item) and provide with valid proof to support your claim.
With compliance to the FCRA, I would request you to investigate into the matter and update my credit report accordingly.
If your investigation validates the record on my file, please provide me with the explanation of the procedure of your investigation to determine the correctness of the item(s) within 15 days of your completion of the re-investigation, obligatory to the FCRA.
Please update the necessary changes and send me the copy of the updated credit report.
Thanks,
Sincerely,
Signature
Printed name
Enclosure: give the description of what has been enclosed with the letter.
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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: 126
5047 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: 4005
1187 Magic Points
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Fri Apr 04, 2008 6:20 pm
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Sure is a really good example, thank you for taking the time to put it out there for people to use. great job.
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Goodnatured,
http://cashinpocket.synthasite.com/
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 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
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Posts: 4005
1187 Magic Points
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Sun Apr 06, 2008 11:07 pm
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I would think that 30 days is a reasonable wait, I am not real sure what you would do after the 30 days but resend the letter and keep copy of the letter you send to remove credit report listing so you have your proof in case something should arise later.
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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sdchargers_63
Joined: 13 Aug 2007
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Posts: 1498
111 Magic Points
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Subject: cb
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Mon Apr 07, 2008 4:12 am
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| Thanks for the response. It may seem like a lot of 'work' but, I'm sure it's ALL worth it. |
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Laura
Joined: 21 Jun 2007
Laura's page
Posts: 1400
34745 Magic Points
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Mon Apr 07, 2008 11:32 am
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Usually a dispute investigation happens within 30 days of their receipt of your letter. So accordingly you get replied.
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Regards,
Laura. |
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goodnatured
Joined: 03 Nov 2007
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Posts: 4005
1187 Magic Points
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Sun Apr 20, 2008 12:12 am
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I got mine back in a matter of two weeks they are pretty quick, especially if there is no changes made.
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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goodnatured
Joined: 03 Nov 2007
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Posts: 4005
1187 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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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Wed Apr 23, 2008 8:43 pm
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| I agree with you goodnatured. They should be required to send you a report from the investigation. So many things in the credit world doesn't seem fair or make sense. |
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Justin
Joined: 17 Jul 2006
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Posts: 1298
28935 Magic Points
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fireyone
Joined: 26 Feb 2008
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Posts: 4500
8812 Magic Points
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Sun Apr 27, 2008 12:59 am
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| Good thinking Justin. I bet this would get good a lot farther in getting results. Hope she stops back in replies. |
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goodnatured
Joined: 03 Nov 2007
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Posts: 4005
1187 Magic Points
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Sun Apr 27, 2008 12:01 pm
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Most of my disputes have been online, so there is no room for dispute there, I probably should write a letter on paper, the old fashion way and attach the documents to it.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
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Posts: 4500
8812 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: 4005
1187 Magic Points
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Thu May 15, 2008 12:59 am
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I have another year and alot of them will fall off, so I have lived with it for this long, guess I can do it for another year. I am sure it will fly by, been real busy, so next year at this time or a little later I should have the last three fallen off and be done with it. and life goes on.
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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