Letter To Credit Agency

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Experiencing conflict with credit agencies is no walk in the park. What greater nuisance than to discover that all of your efforts to be in good standing with credit agencies have gone in vain? You must keep recent accounts of the activity on your credit report. This credit report contains vital information such as where you live, whether you've been sued or arrested, if you've filed for bankruptcy and how you pay your bills. Many credit agencies sell the information in your credit reports employers, insurers, creditors and many other businesses. The distribution of your information to these third parties could cost you insurance, a home, car and even employment.

If upon assessing your credit report you find that there are discrepancies you are advised to immediately write a letter to dispute any misinformation. An example can be found below:

Today's Date
Your Name
Your Address, City, State, Zip Code

Name of Credit Agency
Address
City, State, Zip Code

Dear (insert credit agency name here):

I am writing to dispute the following information in my file. I have circled/underlined ...
... the items I dispute on the attached copy of the report I received.

This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be change (or that it be removed) to correct the information.

Enclosed are copies of (here is where you add all evidence such as payment records and court documents) supporting my position. Please re investigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Sincerely,
Your name

Enclosures: (List what you are enclosing.)

You may want to mention in the letter that you are familiar with the Fair Debt Collection Practices Act, Section 809: If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Revealing that you are knowledgeable lets credit agencies know that you are serious about the matter and this promotes them to handle you accordingly.

Keep in mind that this is a generic letter so the information provided within the letter should be tailored specifically to your inquiry. If the idea of writing a letter to the credit agencies seems a bit overwhelming for you, be greatly encouraged to contact Creditelves. CreditElves has been assisting with the improvement of credit scores through dispute for years so you can imagine that they are experts. The professionals at CreditElves.com have successfully dealt with your similar issues first so they are advising from experience. Please feel free to visit creditelves.com so that you may get started today!