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Sample dispute letter to remove credit report listing

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Richard
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Richard

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5460 Magic Points

Subject: Sample dispute letter to remove credit report listing
 
Posted on Fri Apr 04, 2008 10:40 am  

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
Richard
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Richard

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Posted on Fri Apr 04, 2008 10:41 am  

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



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Posted on Fri Apr 04, 2008 6:20 pm  

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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sdchargers_63

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Subject: credit
 
Posted on Sun Apr 06, 2008 1:05 pm  

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?
goodnatured



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Posted on Sun Apr 06, 2008 11:07 pm  

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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sdchargers_63

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Subject: cb
 
Posted on Mon Apr 07, 2008 4:12 am  

Thanks for the response. It may seem like a lot of 'work' but, I'm sure it's ALL worth it.
Laura

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Posted on Mon Apr 07, 2008 11:32 am  

Usually a dispute investigation happens within 30 days of their receipt of your letter. So accordingly you get replied.
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Laura.
goodnatured



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Posted on Sun Apr 20, 2008 12:12 am  

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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374 Magic Points

 
Posted on Tue Apr 22, 2008 1:28 am  

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



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Posted on Wed Apr 23, 2008 8:43 pm  

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.
Justin

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Posted on Thu Apr 24, 2008 5:57 am  

I would attach evidences if available with me along with the letter to make the process faster. Hi good did you provide any proof e.g. bills etc. with your letter? Did you mention legal clauses in the letter? If no changes have been made there might be some drawbacks in the letter ( you can post the letter that you had sent, lets see if we can be of any help there).

Good luck Smile
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fireyone



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Posted on Sun Apr 27, 2008 12:59 am  

Good thinking Justin. I bet this would get good a lot farther in getting results. Hope she stops back in replies.
goodnatured



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374 Magic Points

 
Posted on Sun Apr 27, 2008 12:01 pm  

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.
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Posted on Mon May 05, 2008 10:30 pm  

Some times the old fashioned way is better and gets more results.
goodnatured



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374 Magic Points

 
Posted on Thu May 15, 2008 12:59 am  

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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