Credit Letter Example With Re In Franklin
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FAQ
Just a letter stating ``you are reporting a debt in my name, account , in the amount of . I wish to dispute this debt, as I have no knowledge of this account.'' It could look the same through all three bureaus, just change the address in the header.
Your letter should clearly identify each item in your report you dispute, state the facts, explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your credit report with the items in question circled.
You should dispute a debt if you believe you don't owe it or the information and amount is incorrect. While you can submit your dispute at any time, sending it in writing within 30 days of receiving a validation notice, which can be your initial communication with the debt collector.
I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies.
I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies.
Call or write to the collection agency asking to have the account deleted as a gesture of goodwill. The collection agency doesn't have to comply, but there's no harm in asking. You may have better luck getting a goodwill deletion if you have a history of on-time payments to the original creditor.
Dear Credit Bureau Name, I am writing to dispute and request the removal of inaccurately reported items from my credit report. The items in question are Incorrect Item 1, Incorrect Item 2, and Incorrect Item 3, as they do not reflect my accurate credit history.
