|
Credit Bureau Verification Procedure Request - Letter |
 |
 |
 |
|
Written by Administrator
|
|
Saturday, 19 July 2008 12:36 |
This letter should be sent to the credit bureaus should they come back with a “verified” response to you when you dispute a negative mark. Credit bureaus will not take the time or trouble to send you this information unless you ask, but it is your right to know it under the FCRA. Many times you can use this information as ammunition for your credit disputes.
Your Name
Address1
Address2
City, State Zip
Company
Address1
Address2
City, State Zip
Date
To Whom It May Concern:
This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection (iii)
§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]
(6)
(B) Contents. As part of, or in addition to, the notice under subparagraph (A), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph (A)
(i) a statement that the reinvestigation is completed;
(ii) a consumer report that is based upon the consumer's file as that file is revised as a result of the reinvestigation;
(iii) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available;
I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed.
As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report.
Name of Creditor/Agency, Account #_________
<List your reasons for disputing this negative mark here, inaccurate account information, dates wrong, etc.>
As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting.
Sincerely,
Signature
Your Name
Your SSN
|
|
|
Demanding A Credit Bureau Investigate - Letter |
|
|
|
|
Written by Administrator
|
|
Saturday, 19 July 2008 12:30 |
Your Name
123 Your Street Address
Your City, ST 01234
Credit Bureau
Credit Bureau Address
Some City, Any State 56789
To Whom It May Concern:
I recently submitted a request for investigation of an Acct Number# XXXX-XXX-XXXX, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one.
If you had investigated properly, rather than use your e-Oscar system, you would have known, that not only I have never been late on this account, but that I am not sure that the account is even mine – though your company claims to have “verified” this.
It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW (Experian), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely "parrot" information from the creditors and collection agencies...that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.
If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As I’m sure you are aware, each violation of the Fair Credit Reporting Act allows damages of $1000 should this matter end up in court.
I look forward to an expedient resolution of this matter,
<Signature>
<Your Name> |
|
Request for Credit Report if You are Ordering/Paying for One - Letter |
|
|
|
|
Written by Administrator
|
|
Saturday, 19 July 2008 12:29 |
If you would like to order your credit report, you can do so on-line or send in your check. Don’t forget to check in the book if your state allows you to order a credit report for free.
A Credit Bureau
Credit Bureaus Address 1
Bureau City, ST 12345
6/21/2001
Dear Credit Bureau,
Please send me a copy of my credit report.
My full name is Your Name.
My birth date is 01-01-1950.
My Social Security number is 123-45-6789.
My current address is 123 Your Street Address, Your City, ST 01234.
I formerly lived at 456 Old Street Address, Old City, ST 34567.
Enclosed, also please find a check for $8.50, a photocopy of my driving license, showing my current address, and a photocopy of my Social Security card.
Please send the credit report as soon as you can. Thank you.
Sincerely,
Signature
Your Name
123 Your Street Address
Your City, ST 01234
enclosures |
|
Last Updated ( Saturday, 19 July 2008 12:29 )
|
|
Request for Credit Report if You Were Turned Down for Credit - Letter |
|
|
|
|
Written by Administrator
|
|
Saturday, 19 July 2008 12:27 |
By law, if you were denied credit, you have a right to see your credit report within 60 days of the turn down. You may send a copy of this letter to all 3 bureaus.
A Credit Bureau
Credit Bureaus Address 1
Bureau City, ST 12345
6/21/2001
Dear Credit Bureau,
I was recently turned down for a <select one - credit card, mortgage, auto loan>. Under the FCRA, I am entitled to a free copy of my credit report. I am enclosing a copy of the turn down letter. Please send me a copy of my credit report.
My full name is Your Name.
My birth date is 01-01-1950.
My Social Security number is 123-45-6789.
My current address is 123 Your Street Address, Your City, ST 01234.
I formerly lived at 456 Old Street Address, Old City, ST 34567.
Enclosed, also please find a photocopy of my driving license, showing my current address, and a photocopy of my Social Security card.
Please send the credit report as soon as you can. Thank you.
Sincerely,
Signature
Your Name
123 Your Street Address
Your City, ST 01234
enclosures
|
|
Requesting the Removal of Inaccurate Information - Letter |
|
|
|
|
Written by Administrator
|
|
Saturday, 19 July 2008 12:23 |
This is a sample letter requesting the removal of inaccurate information from a credit report. With this letter, always include any copies of proof you may have (i.e., cancelled checks showing timely payments, paid off accounts, loans) that demonstrate that indeed the information in incorrect. It never hurts to include the consequences that have resulted from this wrongful information as well. The credit agencies give the most immediate attention to seriously wronged consumers. Remember the agencies are bombarded with 10,000 letters every day. Keep a copy for your files and send the letter registered mail.
Your Name
123 Your Street Address
Your City, ST 01234
(Current address for the last 5 years)
SSN XXX-XX-XXXX
DOB: 1/1/00
Credit Bureau
Credit Bureau Address
Some City, Any State 56789
Date:
To Whom it May Concern:
Dear Credit Bureau:
This letter is a formal complaint that you are reporting inaccurate credit information on my credit report.
I am very distressed that you have included the information noted below in my credit profile due to its damaging effects on my good credit standing. As you no doubt are aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor’s part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a <insert credit type for which you were denied here>, which was highly embarrassing and has negatively impacted my lifestyle.
(Optional) With the proof I’m attaching to this letter, I’m sure you’ll agree that the inaccurate information is harmful to me and, thus, needs to be removed ASAP.
The following information, therefore, needs to be verified and deleted from the report as soon as possible:
CREDITOR AGENCY, acct. XXXX-XXX-XXXX-XXXX
Sincerely,
Your Signature
Your Name
enclosure |
|
Last Updated ( Saturday, 19 July 2008 12:25 )
|
|
|
|
|
|
Sample Credit Score Letters
