Sample Credit Repair Letters
Sample Letter 23: To Credit bureau, Request Consumer Statement Be Added (Account not mine)
Date
Name of Credit Bureau
Address
City, ST Zip
Re: Credit report of ____________________; Address: _________________________
SSN: 000-00-0000; DOB: 00/00/00
Dear Sir or Madam:
Under section 611(b) of the Fair Credit Reporting Act, I am requesting the following consumer statement be inserted in my credit report exactly as I have written it:
"The [name of creditor] account being reported as a charge-off on my credit report is not mine. I have tried to resolve this dispute with the creditor directly, but to no avail. The creditor insists on claiming that this account is mine, despite the fact that I was only 13 years old when this account was opened. I am asking any prospective lender reading my credit report to examine the date of my birth and the date this particular account was opened."
Please send me an updated copy of my credit report once the above statement has been added to my credit report. Thank you very much.
Sincerely,
Your name
Sample letter 24: To Credit Bureau, Request Consumer Statement Be Added (Non-performance)
Date
Name of Credit Bureau
Address
City, ST Zip
Re: Credit report of __________________; Address: _______________________________
Telephone: _____________________; SSN: 000-00-0000
Dear Sir or Madam:
Under section 611(b) of the Fair Credit Reporting Act, I am requesting the following consumer statement be inserted in my credit report exactly as I have written it:
"The [name of creditor] account being reported as a collection account on my credit report arose out of a conflict with this creditor over [nonperformance of a promised service or non-delivery of a product]. I tried to resolve this dispute with [name of creditor] on numerous occasions, but was unsuccessful. Since I did not receive the [service or product], I refused to pay the bill."
Please send me an updated copy of my credit report once the above statement has been added to my credit report. Thank you very much.
Sincerely,
Your Name
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