Where can I find samples of credit dispute letters. Even if some are my own fault?? They were from 6yrs+ ago?

Answer 1

Buy a book on fixing your credit.They usually have the letters in the back of the book.I would cut it out and copy it so you can send it to multiple creditors, the credit reporting agencies and so you can keep a copy of exactly what you have sent.Good luck!

Answer 2

Who are you disputing to? If it's the credit bureau, simply make a list of the items and reason for the dispute. You need to include the reference number on the credit report.

You don't have to include all that fake "legalese" quoting the FCRA and giving them deadlines. Some of the sample letters I've seen probably give the folks opening them a really good laugh. Keep the letter clean and simple. It will get processed much faster that way.

Answer 3

The longest a derogatory (negative) item can stay on your credit report is seven years. The only two exceptions that I know of regarding this limitation are Ch 7 Bankruptcy (10 years) and UNPAID Tax Lien (indefinitely). Derogatory items six-plus years old will have very little effect on your credit score. Don't waste your time with these items.

Answer 4

see sample below http://fixthisloan.com

Sample Dispute Letter
Today's Date

Name of Credit Bureau
Mailing Address of Credit Bureau
City, State, Zip

Attention: Consumer Relations

I recently obtained a copy of my credit report from your service and have found the
following items to be in error.

EXAMPLES

Item #1: I dispute ABC National Bank account #145556. never been late on
this account.

Item #2: I dispute Financial Services account #41115. This account was not a
charge-off, please delete.

According to the Fair Credit Reporting Act, I am requesting that you
investigate those items indicated, and promptly delete any unverifiable, inaccurate,
or outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted
along with the name, address, and telephone number of anyone contacted for
information. Furthermore, if there is a change in my credit history resulting
from your investigation, I am requesting that an updated report be sent to those
who received my report, within the last two years for employment purposes, or
within the last one year for any other purpose.

My full name is:_______________________________________________________

My Social Security # is:_________________________________________________

My date of birth is:_____________________________________________________

My home phone number is:______________________________________________

My address is:__________________________ (Ave., St., etc.) APT:____________

City: ______________________________ State:_______ Zip Code:_____________

Please send me an updated copy of my report, and notification that items have been
deleted. I will consider 30 days a reasonable time for your re-verification of
these items.

Thank you for your prompt attention in this matter.


Signature:

Answer 5

www.creditinfocenter.com