Important Notes
2017 © Carolyn Warren copyrighted material
Dear Reader:
I receive many emails from readers, and I do my best to answer a quick question if you
don’t understand something in the book; however, it is not possible for me to give credit
advice by email. Please don’t treat me like a human search engine. Some people
disrespect my time by asking me how to do something that is clearly written in the book
before they have read the information.
These letters are copyright-owned and part of the copyright of the book. Any commercial
or business use is forbidden. You may not sell these letters. If you want to quote the
book or letters, please email me for permission. That way, you will be legally protected.
Partial Account Number: Reference the partial account number on your credit report.
Don’t include the entire long number in your letter. You can even challenge that the
number belongs to you when the entire number has not been provided.
Auto Repo: First, look at the Statute of Limitations in your state to see if the account is
still legally collectible. Handle an auto repossession like any other large collection
account. You might need to negotiate a settlement to get rid of an auto repo on your
credit report. Please refer to Chapters 15 and 16. However, if the company violated the
law in the repo process or if the balance is wrong, you could have a loophole for
disputing the entire account to get it removed. If the creditor was Santander, Google
search “Santander settlement” to see if the terms apply to you.
Correction: Chapter 15, page 94, A collector cannot report a debt that is more than
seven years past the date of first delinquency with the original creditor (not date of last
activity).
Bankruptcy? As of 10/5/2021, I have a book with new info on
how to get a BK deleted. Please see Repair Your Credit After
Bankruptcy Like the Pros on Amazon.
Thank you again for reading Repair Your Credit Like the Pros.
This system does work for professionals, it has worked for
many other readers who have emailed me their success
stories, and it can work for you, too.
Best wishes for your success,
Carolyn Warren
LETTERS TO GO WITH THE BOOK
Each letter is labeled at the top of the page for when and who to send to.
These letters are not in order of usage. Please use the book.
1. Letter to order your credit report by mail.
2. Letter of Dispute for collections and charge-offs or other inaccurate information
(Debt Validation Letter)
3. Follow up with a credit bureau after the creditor failed to provide you with a proper
debt validation
4. Letter to stop harassment by collectors
* Credit Investigation Form (to send to the credit bureaus)
5. Letter of complaint for the credit bureaus
6. Letter to dispute inquiries on your credit report
7. Letter to delete unwanted names and addresses off of your report
8. Follow up letter to a credit bureau after they deny deleting an old, unverified
collection
9. Letter to delete incorrect spellings/forms of your name or extra names.
10. General Letter of dispute to the creditor (You may use this instead of Letter #2 if it’s
more appropriate for your situation.)
11. Letter to the credit bureaus stating an account was paid as agreed
12. Letter to delete duplicate accounts
13. Letter to the creditor requesting the removal of an unauthorized inquiry if the credit
bureau fails to do so after you sent Letter #6
13A. Letter to a Credit Bureau If They Fail to Delete the Inquiry
14. Sample Letter to Send to the Credit Bureaus to delete a 90-day late payment if you
did not receive satisfactory results after sending the Credit Investigation Form
15. Letter to use when a deleted account reappears on your credit report again
16. Letter to get a dispute notation removed from your credit report
EXTRA BONUSES


Customized Letters
Customized Credit Investigation Forms
#1 (Use this letter to order your credit report. One request will get your credit report from
all three credit bureaus. Use the address provided in Chapter 2.)
Your Name
Your Address
City, State Zip
Date of Birth
Social Security #
Credit Bureau
P.O. Box
City, State Zip
Date
To Whom It May Concern:
Please send me my free annual credit report from all three credit bureaus.
Sincerely,
Your signature
#2 (Use this Debt Validation Letter to dispute collections and charge-offs with the
collection company.)
Your Name
Your Address
City, Sate Zip
Collection Company
Address
City, State Zip
Date
Re: Account # <fill in>
Dear Collector:
My credit report shows a collection from your agency. I was never notified of this
collection. What’s more, I do not believe this debt is accurate. Under the FAIR DEBT
COLLECTION PROTECTION ACT, I have the right to request and receive validation of
the debt. Therefore, provide me with a copy of all the following:
1) An explanation of what this alleged account balance is for.
2) A calculation of this balance, including the complete payment history on this
account, so I have proof that the amount is correct.
3) Documentation that shows I agreed to pay this debt.
4) The Agreement that grants you authority to collect on this alleged debt.
5) A copy of your state license, including license number.
As stated above, send me all five items, which are my right to receive. Contact me
through the United States Postal Service only.
Sincerely,
Your name typed
#3 (Send this Letter to a Credit Bureau After the Creditor Failed to Provide You with a
Proper Debt Validation.)
Credit Bureau
PO Box
City, State, Zip code
Date
Re: Account # <fill in number>
Dear Credit Representative:
I am disputing the account stated above. Previously, I disputed this account information
as being inaccurate, and you responded by stating you were able to verify this debt. But
how is that possible? Under the laws of the FDCPA, I have contacted the collection
agency <name the company> myself, and they have failed to verify that this is indeed my
debt.
I enclose copies of my requests to the collection agency, asking them to validate the debt,
as well as the receipts showing I sent this letter by certified signature request. I was given
no evidence of my obligation to pay this debt to this collection agency. This debt is not
mine.
The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If
the validity cannot be verified, you are obligated by law to remove it from my credit file.
I urge you to remove this account before I am forced to take legal action.
In the event that you cannot verify the item pursuant to FCRA, and you continue to report
it on my credit, I will find it necessary to sue you for actual damages and declaratory
relief. According to FCRA regulations, I may sue you in any qualified state or federal
court, including small claims court in my area.
I look forward to a swift and amicable resolution to this matter.
Sincerely,
Your name typed
#4 (Use this letter to stop debt collectors from calling/harassing you.)
Your Name
Your Address
City, State, Zip
Collection Agency
Address
City, State, Zip
Regarding: (Account #, original creditor, $XX claimed owed)
Dear Debt Collection Agency:
With this letter, I am giving you legal notice to stop calling me regarding the account
named above. This is in compliance with federal law: “The Fair Debt Collection Practices
Act.”
Contact me only through the United States Postal Service.
If you call me again, I will immediately file a formal complaint with The Federal Trade
Commission who is responsible for this enforcement, with the State Attorney General’s
Office, and the American Collector’s Association who monitors compliance.
This letter also notifies you that if you file any negative information against me as a result
of this request, I will take immediate action against you. It is my right to stop phone calls
and harassment, and to receive communication only through the USPS mail service.
Sincerely,
(Your Signature)
Your Name
Instructions for the Credit Investigation Form on the next page
Use this form to send to the credit bureaus only: Equifax, Experian, TransUnion.
Do not send this form to the individual creditors, such as Visa or a collection company.
For the individual creditors, send a letter.
If you have multiple old (3+ years) charge-offs or collections that have been paid with a
$0 balance, then you can dispute them on one form.
If your derogatory accounts are related in some way (such as all are medical, all were the
same time period due to the same event, they are the same incident with one being the
original creditor and the other being the collector that the original creditor sold to), then
you can dispute them on one form.
It is best if you handwrite something. Your handwriting must be neat and legible. Keep it
super short. See the samples at the end for ideas on what can be written.
If your derogatory accounts are completely unrelated, then it’s best to use a different
form so that it doesn’t look like your dispute is phony and that you’re just trying to
“blanket remove” all bad credit at once in a false manner. Stagger the mailing by at least
a few days.
Good luck!
Investigation Request Form
Name ______________________________
(Include spouse if also disputing information.)
Address ____________________________
Spouse’s name _______________________
Soc. Sec. # __________________________
Soc. Sec. # __________________________
Date of Birth ________________________
Date of Birth ________________________
Home phone ________________________
Signature ___________________________
Signature ___________________________
I/we disagree with the accuracy/completeness of the following accounts and hereby request
an investigation and correction.
Company Name:___________________________________ Account # ___________________
 Not my account
 Never paid late
 Paid before collection/charge off
 Paid in full as agreed  In bankruptcy
Never went 90 days late
Other _______________________________
Company Name:________________________________ Account # _________________
 Not my account
 Never paid late
 Paid before collection/charge off
Other ____________________________
 Paid in full as agreed  In bankruptcy
 Never went 90 days late
#5 Letter of Complaint (Follow up letter to the credit bureau who did not respond.)
Your Name
Your Street Address
Your City, State, Zip
Credit Bureau
Address
Some City, State, Zip
Date
RE: Dispute Letter of X/X/2018, Follow-up Letter of X/X/2018
NOTICE OF INTENT TO FILE COMPLAINT
This letter shall serve as formal Notice of my Intent to file a Complaint with the Federal
Trade Commission and the Consumer Finance Protection Bureau, due to your blatant
disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have been delivered
by registered mail both a dispute letter, dated X/X/2018, as well as a follow-up letter, dated
X/X/2018. As of today, you have not done your duty mandated under the law. Your
inaction in this matter and your disregard for the law is inexcusable.
For the record, the following information is being erroneously included on my credit report,
as I have advised you on two separate occasions, more than 75 days and again 40 days ago:
(List your creditor and account number here.)
If you do not immediately delete this inaccurate and incomplete information, I will file a
formal complaint with the FTC and CFPB. Furthermore, I intend to seek redress in civil
action, for recover both damages, costs, and attorney’s fees, should you continue in your
deliberate obstruction of the law. For this purpose, I am carefully documenting these
events, including the lack of response REQUIRED under law from you. Under federal law,
you had 30 days to complete your reinvestigation, yet you have failed to respond. Your
continued delays are inexcusable.
Be advised that I am also requesting the description of the procedure used to determine
the accuracy and completeness of the information as well, to be provided within 15 days
of the completion of your reinvestigation.
Sincerely,
(Type your name)
Quadarius Winder
110 Glendale St.
Clinton, MS 39056
Credit Bureau
Address
City, State, Zip Code
Date
Dear Credit Bureau:
I am making a formal complaint that you are reporting inaccurate credit information.
Credit reporting laws ensure that bureaus report only 100% accurate credit information.
Every step must be taken to assure the information reported is completely accurate and
correct.
I am distressed that you have included the below information in my credit profile and have
failed to maintain reasonable procedures in your operations to assure maximum possible
accuracy in the credit reports you publish.
The following inquiries were without authorization, and for no legitimate business
purposes. As such, it is a very serious error in reporting. Delete this misleading information,
and supply a corrected credit profile to all creditors who have received a copy within the
last six months, or the last two years for employment purposes.
List account #, company name
Additionally, provide the name, address, and telephone number of each credit grantor or
other subscriber.
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the
description of the procedure used to determine the accuracy and completeness of the
information is hereby requested as well, to be provided within 15 days of the completion
of your reinvestigation.
Sincerely,
Quadarius Winder
Quadarius Winder
110 Glendale St.
Clinton, MS 39056
July 2, 1996
SSN: 426-81-6708
Experian
P.O. Box 9701
Allen, TX 75013
Date: January 5, 2022
Dear Credit Bureau Representative:
I recently reviewed a copy of my credit report and noticed the following
information regarding inquiries to be in error. The Fair Credit Reporting Act states that
the only permissible purpose for pulling a person’s credit report is (1) a firm offer of
credit, (2) insurance, (3) an application for employment, or (4) a court order.
The following inquiries are not related to one of the allowable purposes, as I have
reiterated from The Fair Credit Reporting Act.
1. US SM BUS ADMIN ODA
2. FADV/RESIDENT DATA
3. JPMCB CARD
4. CARMAX
5. NCCINC/CANNON NISSAN O
Delete these inquiries from my credit report immediately.
If any of these companies purport to have pulled my credit report with permission,
then I exercise my legal right to ask for verification, including:
1) Name and title of the person who pulled my credit.
2) Date they purport that I gave permission.
3) Method they purport that I gave permission. Please include documentation of said
permission.
Thank you.
Sincerely,
Quadarius Winder
#7 (Use this letter to have extra forms of your name and addresses deleted.)
Your Name
Your Address
City, State, Zip Code
Credit Bureau
Address
City, State, Zip Code
Date
Dear Credit Bureau:
My correct name is _______________________________________________________.
My correct address is _____________________________________________________.
There may be other individuals with a name the same as or similar to mine. Creditors may
have entered my name incorrectly when requesting my credit report. Regardless, there are
forms of my name and addresses that should not appear in my credit file.
Promptly delete all other names and addresses. These other forms of my name are not
correct historical data. Therefore, they must be removed.
Sincerely,
Your Name exactly as you’ve written it above
Social Security #
#8 (Follow up letter to the Credit Bureau after they “verified”, or after they deny deleting
an old collection that was not properly verified.)
Credit Bureau
Address
City, State, zip
Date
Re: Account #
Dear Representative:
I am writing to dispute the account referenced above. I have disputed this account
formation as being unverified and inaccurate with you, and you have come back to me
and stated you were able to verify this debt. How is this possible? Under the laws of the
FDCPA, I have contacted the collection agency myself and have been unable to get them
to respond or to verify that this is indeed my debt.
After careful research, I have determined that this is not mine, and I was given no
evidence of my obligation to pay this debt to this collection agency.
The FCRA requires you to verify the validity of the item within 30 days or remove
it. If the validity cannot be verified you are obligated by law to remove the item.
There is a clear case of unverified debt here, and I demand that you delete this item
before I am forced to take legal action.
In the event that you can not verify the item pursuant to the FCRA, and you continue to
list the disputed item which I have researched and determined does not belong to me,
then I will find it necessary to sue you for actual damages and declaratory relief under the
FCRA. According to this regulation, I may sue you in any qualified state or federal
court, including small claims court in my own area. Furthermore, I believe my local
news reporters will find this refusal on your part to comply with the law very
interesting.
While I prefer not to litigate and contact the media, I will use the courts and publicity to
enforce my rights under the FCRA.
I look forward to an uneventful resolution of this matter, because I don’t have time or
patience for playing games.
Sincerely,
Name
Address
Social Security #
#9 (Follow up letter to credit bureau to delete extra names. If you use this and the names
are not deleted, send it again, but add this sentence: SECOND REQUEST TO REMOVE
ERRONEOUS NAMES THAT DON’T BELONG TO ME.) Note: I added a nonsense
sentence about phone numbers. Citizens’ phone numbers are not on a credit report. The
purpose of this sentence is a strategic move to show you are sincere and that you aren’t
using a professional credit repair service or a template.
Your Name
Your Address
City, State, Zip Code
Credit Bureau
Address
City, State, Zip Code
Date
Dear Credit Bureau:
My credit report contains names that are inaccurate. The following is not correct
historical data for myself:
1)
2)
3)
These names either belong to other individuals, or there is an error on your part in correctly
reporting my name. My correct name is exactly as follows:
(Here type in your name as it should appear.)
Promptly delete all other names from my credit file. Do not include my telephone number
on my credit report: I am on the Do Not Call List.
Sincerely,
Your Name exactly as you’ve written it above
Social Security #
# 10 (Use this letter instead of the debt validation letter if it fits your situation better.)
Your Name
Your Address
City, State, Zip
Creditor Company
Address
City, State Zip
Date
Re: Account #
Dear Creditor,
My credit report shows that I have an account with late payments. I do not believe this is
accurate, because my own accounting shows that I was not late <add date if desired>.
Under the Fair Debt Collection Protection Act, I have the right to request that incorrect
and unverified information be deleted from my credit file.
Accordingly, delete <90 day late or whatever you want them to delete> immediately,
because my credit is important to me and this is unfairly penalizing my credit score. I
would like to maintain a good relationship with <company name>, so I will appreciate
your cooperation in getting this fixed in a timely manner.
Sincerely,
<Type your name>
#11 (Send this letter to the credit bureau after you have settled an account “paid as
agreed.” Ideally, you want the creditor to report it to the bureaus for you, but since you
cannot trust that they will do so, here is a letter you can use. This goes with Chapter 15.
Be sure to read the chapter before doing this!)
Credit Bureau
PO Box
City, State Zip
Date
Re: Account #
Dear Credit Representative:
I have discovered an inaccurate account on my credit report that is unjustly harming my
score. The above account was not late; but in fact, PAID AS AGREED.
Enclosed is copy of my check and a letter (or log), which is legal confirmation that the
account was paid in full as agreed. This erroneous entry is negatively impacting my
credit. I’m sure you are aware that the law requires that a credit report is 100 percent
accurate.
I look forward to a swift and amicable resolution with this negative entry deleted at once.
Sincerely,
<Type your name>

Notes about the previous letter:
If the credit bureau sent you the name of a creditor that reported your name incorrectly,
then contact that creditor and get a letter from them on company letterhead as shown
below. Then forward a copy of that letter to the credit bureau. That will do it!
On the other hand, if the credit bureau did not provide you with that information, cut-andpaste to add this sentence to the above letter:
It is a violation of the Fair Credit Reporting Act to report false information. Therefore, I
demand that the incorrect spelling of my name be deleted. If you think you have evidence
of another spelling belonging to me, promptly provide me with the name, telephone
number, and address of the corresponding creditor, so I can get that corrected and follow
up with you again. Otherwise, delete the other names now.
----To Whom It Concerns:
We regret that we had on file the incorrect spelling of the name for our customer.
Please correct his/her name as follows:
Sincerely,
#12 Sample Letter to Send to the Credit Bureaus If You Have Duplicate Accounts
Credit Bureau
PO Box
City, State, Zip code
Date
Re: Account # <fill in number>
Dear Credit Representative:
This is a formal complaint about a duplicate collection account appearing on my credit
report. This inaccurate reporting is penalizing me unfairly and illegally; and this is
causing me distress as it is damaging my credit.
Delete the account stated above immediately. It does not belong on my credit report as it
is (1) inaccurate, (2) duplicate, and (3) outdated.
I look forward to a swift and amicable resolution to this matter.
Sincerely,
Your name typed
Letter #13 Letter to Creditor Requesting the Removal of an Unauthorized Inquiry
Note from Carolyn: I strongly suggest that you either include a copy of the one page of
your credit report that shows the inquiry or include a snippet of the inquiry. That way, it
will prevent them from denying it or from saying, “There was no hard inquiry from us.”
Also note that you should include a competitor they hate in the last sentence. Most
banks dislike Wells Fargo, so you can use them unless you are writing to Wells; in that
case, use Bank of America. (Or whatever bank is in your community.)
<Creditor Name>
<Creditor Address>
<Date>
Dear <Bank of America or creditor name>:
I have been a customer of <creditor name> for X years, and I have always enjoyed the
good customer service that you provide. However, upon checking my credit report
recently, I was surprised to see a hard inquiry by <creditor name> on <date>. I did not
authorize this inquiry, nor was I informed about it.
As you might know, inquiries make up 10 percent of a person’s credit score, and my
credit report indicates that one of the reasons my score is not higher is due to credit
inquiries. Therefore, this unauthorized inquiry is harming my credit score —on illegal
grounds.
Please send notification to the credit bureaus <name bureaus that the inquiry appears
on> and a duplicate copy to me to remove this inquiry.
I am looking for this to be done in a timely manner in order to continue our good
business relationship rather than switch to <Wells Fargo or other competing bank>.
Sincerely,
<Name>
<Address>
#13A (Send this Letter to a Credit Bureau If They Fail to Delete the Inquiry)
Equifax/Experian/Transunion
PO Box
City, State, Zip code
Date
Re: <Company Name> Inquiry
Dear Equifax/Experian/TransUnion Representative: (Pick the one)
I am disputing the inquiry stated above. Previously, I disputed this inquiry as being mine
and requested deletion accordingly. You responded by stating you were able to verify this
inquiry. But how is that possible?
1) I did not apply for credit from <company> on <date>.
2) I did not receive nor was I denied credit from <company> on <date>.
If you did, in fact, verify the validity, then send me the following:
1) The method you used to verify.
2) The name of the person who verified.
3) The contact info of the person who verified.
If you do not send me the above items, then it is my right and your duty for this
(erroneous) inquiry to be permanently deleted from my credit report!
Include these 2 sentences if it is at least 20 people. Otherwise, you can delete it.
There are 100 (change to correct # for your name) individuals named <First, Last Name>
on LinkedIn alone!!! I do not want someone else’s inquiry on my credit report.
I look forward to a swift reply stating this false inquiry has been deleted.
Thank you in advance,
First, Last Name
#14 Sample Letter to Send to the Credit Bureaus to Delete a 90-day late payment if you
did not receive satisfactory results after sending the Credit Investigation Form
Credit Bureau
PO Box
City, State, Zip code
Date
Re: Account # <fill in number>
Dear Credit Representative:
This is a formal complaint about a 90-day late payment appearing on my credit report. I
am aware that being 90 days late is significantly worse than being 60 days late, and my
records do not show that I was 90 days late. This inaccurate reporting is penalizing me
unfairly and illegally; and this is causing me distress as it is damaging my credit score.
Promptly delete the 90-day late payment, as per the Fair and Accurate Credit Reporting
Act. A credit report is supposed to be 100 percent accurate, not 98 percent accurate.
I look forward to a swift and amicable resolution to this matter.
Sincerely,
<Your name typed>
Letter 15: Letter to the credit bureau when a previously deleted account reappears on
your credit report
Name
Address
Date
Dear <Credit Bureau> Representative:
On <date>, you investigated the following collection account and determined that it did
not belong to me; and thus, you deleted it from my credit report. (See attached
verification.)
Account # <fill in> Account name <fill in>
Now, it has reappeared on my credit report, which is a violation of law.
The Fair Credit Reporting Act states:
“The information may not be reinserted in the file by the consumer reporting agency
unless the person who furnishes the information certifies that the information is complete
and accurate.”
In addition:
The consumer reporting agency is required to send the consumer written notification
within five business days that the information has been reinserted and provide contact
information for the company that furnished the information.
And, they are required to “maintain reasonable procedures designed to prevent the
reappearance in a consumer’s file, and in consumer reports on the consumer, of
information that is deleted.”
I was not notified within five days (or at all). Nor was I given the opportunity to explain
that this does not belong to me.
Per law, delete this immediately and permanently! Otherwise, I will be happy to file a
claim and collect damages.
Sincerely,
<Type your name>
Letter 16: Letter to the credit bureau to remove a dispute notice on your credit report.
Name
Address
Date
Dear <Credit Bureau> Representative:
Account # <fill in> Account name <fill in> is no longer in dispute.
Delete the dispute notation from my credit report.
Sincerely,
<sign>
<Your name>
ADDED BONUS: EXTRA LETTERS
Following, are letters that were used for individuals’ specific credit situations. By studying
these, you can see examples of how you can take a template and customize it for yourself.
Please notice that these letters do not go overboard in telling too much. Don’t fall into that
trap! But do use these to help guide your own customization.
As in the first letter, you can do a Google search of your name and then use that information
in the dispute. If you have a common name, that strategy might work for you as well. If
you have a unique name that no one else in the country has, then it won’t apply to you.
Please note: These letters are copyright-protected. You may not sell them or use them for
commercial purposes.
New Release!
Paperback and Kindle available now on Amazon.com.
Take your credit to the next level. This guide takes you from beginner to expert, showing
you exactly how to achieve a top tier credit score – and then to protect your credit from
scams, frauds, and thieves. It includes a comparison of FICO and Vantage scores,
including the score card used by the credit bureaus to calculate your scores.
<Letter to dispute a charge-off.>
Full Name
Street address
City, State Zip code
Birth date
Social Security #
Credit Bureau Name
Credit Bureau Address
City, State, Zip
Date
URGENT! Re: Credit Card Account #
Dear Credit Bureau Representative:
Recently, I checked my credit report and was dismayed to find an erroneous charge-off
on my report, as referenced above. There are 25 individuals with my same name on
LinkedIn alone, not to mention non-professionals, the dead, and the notorious Paul
Mxxxx (last name deleted to preserve the individual’s privacy) who is serving jail time.
Needless to say, I am concerned about my identity and good name!
Please remove this erroneous account from my credit file, per the Fair Credit and
Accuracy Act, because it is hindering my ability to get the best credit score and best
financing.
Sincerely,
Paul Mxxxxx
<Verizon bill dispute>
Your Name
Your Address
City, Sate Zip
Credit Bureau
Address
City, State Zip
Date
Regarding Account # _________________
Dear Credit Representative:
I recently reviewed my credit report and was dismayed to see an inaccurate and false
account regarding my previous cell phone.
Evidently, when I changed carriers from Verizon to my current carrier, they made a
reporting error. I always paid on time as agreed. My credit is very important to me, and
a review of my report shows that I am in the habit of maintaining perfect credit.
There is no reason I would sacrifice my good credit for a small end-of-contract bill!
I have a fairly common name, so I am concerned that someone else’s information might be
showing up on my report.
This inaccurate charge-off is a violation of FACTA and it is hindering my ability to obtain
the best financing. Please delete this account immediately.
This demand is within my rights under Federal law.
Sincerely,
(Your signature)
Your Name
<Mortgage late dispute to the credit bureau>
Full Name
Street address
City, State Zip code
Birth date
Social Security #
Credit Bureau Name
Credit Bureau Address
City, State, Zip
November 14, 2008
URGENT! Re:
Aurora Loan Services #360000
Countrywide Home Loans #4190000
Dear Credit Bureau Representative:
This letter is a formal complaint that you are reporting mortgage lates that never
happened on my credit report. According to The Fair Credit Reporting Act, inaccurate
information cannot be included on a credit report when it is damaging to the individual.
On 11/13/2008, I was denied for a refinance by Shelter Mortgage/Guaranty Bank
based on the false information you are reporting.
Explanation: When I purchased my home, my loan was rapidly sold three times to three
lenders, including Aurora and Countrywide. I made my payment on time each and every
month, but because of the loan transfers, my payments were not properly recorded.
Then to further mess things up, Countrywide put one of my payments toward extra
principle balance and reported me late on top of it! I immediately called Countrywide and
they apologized and assured me they would take care of it and correct all the
errors. I thought it had been done, so I was stunned to discover on 11/13/2008 that the
false late payments were still there.
Please delete these immediately! This is negatively impacting my life as it is prohibiting
me from refinancing—and my current loan has just adjusted!
Please remove the late payments from the following accounts:
Aurora Loan Services #360000
Countrywide Home Loans #4190000
Sincerely,
Roger A. Person
<Mortgage late dispute to the mortgage company.>
Your Full Name
Street Address
City, State, Zip
Credit Card Name
Street Address
City, State, Zip
November 14, 2008
URGENT! Re: Account # Countrywide Home Loans #4190000
Dear Credit Account Representative:
I recently applied for credit and to my amazement, saw that you are still reporting
me as being late—even though in 2005, a representative from Countrywide agreed I
had never been late, said the fault was Countrywide's, apologized, and assured
me Countrywide would clear the errors with the credit bureaus.
Explanation: When I purchased my home, my loan was rapidly sold three times to three
lenders, including Aurora and Countrywide. I made my payment on time each and every
month, but because of the loan transfers, my payments were not properly recorded.
Then to further mess things up, Countrywide put one of my payments toward extra
principle balance and reported me late on top of it!
Please correct this listing immediately to “paid as agreed – never late," and
remove the 30-day late payments as they is having a serious negative impact on my life.
I look forward to receiving a speedy response.
Sincerely,
Roger A. Person
<Student loan dispute>
Your name
Address
Social Security #
Date
Re: Student Loan Account # <fill in>
Dear Credit Representative:
Upon reviewing my recent credit report, I was surprised to see a gross error reported
concerning the student loan stated above. Here are the facts:
1) I have had the student loan since February 2011, and I have always paid as agreed.
2) I have never been 90 to 100 days late on my student loan!
3) I was granted a forbearance on the loan mid-2014, because I was not working at that
time. Therefore, no late payment should have been reported!
4) December 2014 I took the loan out of forbearance and continued paying as agreed.
My credit is important to me, and you can see I have a good payment history. The Fair
and Accurate Credit Reporting Act gives me the right to accurate credit; therefore, I am
asking to have those false and inaccurate late payments deleted at once.
Thank you in advance for your prompt attention to this important matter.
Sincerely,
Peter B.
Following are samples of a customized Credit Investigation Form.
Use these real-life samples to write your own. Remember, don’t say too
much! Err on the side of saying less rather than more.
Investigation Request Form
Name __________________________________________________________________
Address ________________________________________________________________
Soc. Sec. # __________________________
Date of Birth ________________________
Home phone ________________________
Other phone _________________________
Signature _______________________________________________________________
--------------------------------------------To Whom It May Concern:
I disagree with the accuracy/completeness of the following account and hereby request an
investigation and correction on my credit report, as allowed by
The Fair Credit Reporting Act.
Company Name: _________________________________________________________
Account # _______________________________________________________________
(Handwrite this message below. When a dispute looks individualized, even handwritten, it's been
shown to get a better response. Save this to your computer, and then delete this part and fill in with
blue ink.)
I am applying for a mortgage and need to have an error corrected on my credit report.
The Chase account above should not show a late payment. There was a mix-up between an order I
placed on Amazon.com and Chase, and there should be no late payment reporting. If you will look
at my credit report, you will see I am in the habit of paying all my bills on time, and there is no way
I would let a small bill like this slide and harm my credit.
Please delete this erroneous late pay from my credit report. Thank you.
Investigation Request Form
Name ______________________________________________________________
Address ________________________________________________________________
Soc. Sec. # __________________________
Date of Birth ________________________
Home phone ________________________
Other phone _________________________
Signature _______________________________________________________________
--------------------------------------------To Whom It May Concern:
I disagree with the accuracy/completeness of the following account and hereby request an
investigation and correction on my credit report, as allowed by
The Fair Credit Reporting Act.
Company Name:__________________________________________________________
Account # _______________________________________________________________
(Handwrite this message below. When a dispute looks individualized, even handwritten, it's been
shown to get a better response. Save this to your computer, and then delete this part and fill in with
blue ink.)
I am in the process of applying for a home loan. When my loan officer pulled my credit report, I
was stunned to find a late payment dated January 2010 for the above account, because I have been
a perfect customer, always paying on time. I called CFNA and asked to speak with a Supervisor
about this error. Mary, the rep. denied me the opportunity to speak with the Supervisor. Instead,
she advised me to contact the credit bureaus directly to have this erroneous late payment deleted.
This false information is hindering my ability to obtain financing; therefore, I ask you to delete it
at once, per FACTA.
Thank you for your prompt attention to getting this mistake fixed.
Investigation Request Form
Name __________________________________________________________________
Address ________________________________________________________________
Soc. Sec. # __________________________
Date of Birth ________________________
Home phone ________________________
Other phone _________________________
Signature _______________________________________________________________
--------------------------------------------To Whom It May Concern:
I disagree with the accuracy/completeness of the following account and hereby request an
investigation and correction on my credit report, as allowed by
The Fair Credit Reporting Act.
Company Name:__________________________________________________________
Account # _______________________________________________________________
(Handwrite this message below. When a dispute looks individualized, even handwritten, it's been
shown to get a better response. Save this to your computer, and then delete this part and fill in with
blue ink.)
I contacted NCO Medical, making a good faith effort to verify if I owe money on this account –
and I would be willing to pay it, if it was mine. I was transferred from department to department
to department, and no one could verify it. It has been determined that this account is not on record
and is a complete mix-up.
Please delete it from my credit report. It is hindering my ability to qualify for a home loan and
negatively impacting my life.
Investigation Request Form
Name __________________________________________________________________
Address ________________________________________________________________
Soc. Sec. # __________________________
Date of Birth ________________________
Home phone ________________________
Other phone _________________________
Signature _______________________________________________________________
--------------------------------------------To Whom It May Concern:
I disagree with the accuracy/completeness of the following account and hereby request an
investigation and correction on my credit report, as allowed by
The Fair Credit Reporting Act.
Company Name:__________________________________________________________
Account # _______________________________________________________________
(Handwrite this message below. When a dispute looks individualized, even handwritten, it's been
shown to get a better response. Also, plain English gets a better response than "legalese." Save
this to your computer, and then delete this part and write in with blue ink.)
I contacted Capital One about the account above, in order to verify if it is mine. They have
not sent me proof or validation that this my account. It appears to belong to someone else. There
are 60 individuals with the name of Robert Pellerson in the United States, and that is just using one
index. What's more, ID theft occurs many times every day – some say every 13 seconds.
Please delete this account from my credit file, per FACTA.
Thank you for your cooperation.
Investigation Request Form
Name __________________________________________________________________
Address ________________________________________________________________
Soc. Sec. # __________________________
Date of Birth ________________________
Home phone ________________________
Other phone _________________________
Signature _______________________________________________________________
--------------------------------------------To Whom It May Concern:
I disagree with the accuracy/completeness of the following account and hereby request an
investigation and correction on my credit report, as allowed by
The Fair Credit Reporting Act.
Company Name:__________________________________________________________
Account # _______________________________________________________________
(Handwrite this message below. When a dispute looks individualized, even handwritten, it's been
shown to get a better response. Save this to your computer, and then delete this part and fill in with
blue ink.)
I am a U.S. Veteran who has served our country, and I don't appreciate having this bogus late
payment on my credit report!!! This is a violation of the law, and I demand that this account be
deleted at once. It is hindering my ability to qualify for a home loan and negatively impacting my
life.