[Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Credit Bureau Name] [Credit Bureau Address] [City, State, ZIP Code] Subject: Request for Removal of Derogatory Credit Information Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of derogatory credit information from my credit report, as I believe it has been inaccurately reported. I have recently reviewed my credit report, and upon careful examination, I have identified several items that require your attention. On [Date], I obtained a copy of my credit report from [Credit Bureau Name] and discovered the following erroneous entries: 1. [Describe the first derogatory credit item, including creditor name, account number (if known), and date of occurrence]. 2. [Describe the second derogatory credit item, including creditor name, account number (if known), and date of occurrence]. 3. [Continue this pattern for any additional derogatory credit items you wish to dispute]. I would like to emphasize that these derogatory credit items are incorrect and unjustly damage my creditworthiness. I have taken all necessary precautions to ensure the accuracy of my credit history by regularly monitoring my accounts and resolving any issues promptly. Therefore, I kindly request your assistance in investigating and subsequently removing these derogatory credit entries from my credit report. Enclosed with this letter are copies of the supporting documentation that substantiate my claims. I have highlighted specific sections relevant to each disputed derogatory credit item. The enclosed documents include: 1. [List the supporting documents for the first derogatory credit item]. 2. [List the supporting documents for the second derogatory credit item]. 3. [Continue this pattern for any additional supporting documents you have included]. I kindly ask that you initiate a thorough investigation into the mentioned derogatory credit items as per the Fair Credit Reporting Act (FCRA) guidelines. According to the FCRA's Section 611, you are required to complete this investigation within 30 days of receiving this dispute letter. Should you find after your investigation that the information on my credit report is indeed inaccurate or unverified, I request that you promptly remove the derogatory credit items from my file. Furthermore, I kindly request that you send me a written confirmation of the removal or correction made, along with a revised copy of my credit report. Please note that I have also sent a copy of this dispute letter to the original creditor associated with each disputed item, as per my rights under the FCRA. I appreciate your attention to this matter and expect a timely resolution. Please feel free to contact me via the provided contact details should you require any additional information or if there are any updates regarding my dispute. Thank you for your prompt assistance in resolving this matter. Sincerely, [Your Name]
South Dakota Sample Letter for Request for Removal of Derogatory Credit Information
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How to fill out South Dakota Sample Letter For Request For Removal Of Derogatory Credit Information?
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Write a Dispute Letter Also, clearly state that you want this inaccurate information removed from your credit report as quickly as possible. Before submitting your request, be sure to make copies of all the documentation you're sending along. Don't send your original documents.
Your letter should identify each item you dispute, state the facts, explain why you dispute the information, and ask that the business that supplied the information take action to have it removed or corrected. You may want to enclose a copy of your report with the item(s) in question circled.
I am requesting that this item be removed [or request another specific change to correct the information]. [List and describe any other items you are disputing.] Enclosed is documentation supporting my request: [describe the documents you're sending, for instance: my credit report, with the disputed items circled.]
The following are important details to include in the goodwill letter: The date. Your name. Your address. Your creditor's name. Your creditor's address. Your account number. The negative mark you'd like removed. Which credit bureaus the mark needs to be removed from.
After writing a general dispute letter or a 609 credit disputing letter, followed by a 611 credit disputing letter, consumers can send a 623 credit disputing letter. With a 623 credit disputing letter, consumers request the credit agency to provide evidence to validate that the debt is theirs.
Successfully disputing inaccurate information is the only surefire way to get collections removed from your credit report. If you've repaid a debt and the collection account remains on your credit report, you can request a goodwill deletion from your creditor, though there's no guarantee they'll grant your request.
You can ask the creditor ? either the original creditor or a debt collector ? for what's called a ?goodwill deletion.? Write the collector a goodwill letter explaining your circumstances and why you would like the debt removed, such as if you're about to apply for a mortgage.
If the derogatory mark is in error, you can file a dispute with the credit bureaus to get negative information removed from your credit reports. You can see all three of your credit reports for free on a weekly basis. If the derogatory marks are not errors, you'll need to wait for them to age off your credit reports.