[Your Name] [Your Address] [City, State, ZIP] [Date] [Collection Agency Name] [Collection Agency Address] [City, State, ZIP] Subject: Request for Removal of Derogatory Credit Information Dear Sir/Madam, I am writing to formally request the removal of derogatory credit information from my credit report. This information pertains to an account that is listed under my name with your collection agency. I would like to bring to your attention that I have recently obtained a copy of my credit report and discovered that the derogatory credit information is negatively impacting my creditworthiness. As a responsible consumer, I believe it is essential to maintain a healthy credit history, and I take proactive measures to rectify any errors or discrepancies in my credit report. I am attaching a copy of my credit report highlighting the specific account in question. It is important to note that I have thoroughly reviewed my credit report, and I have noticed that this account has already been paid in full/settled/closed as per our previous agreement. Therefore, the derogatory credit information related to this account should have been removed from my credit report in accordance with the Fair Credit Reporting Act. I kindly request that you investigate this matter promptly and provide me with written confirmation of the removal of the derogatory credit information from all three major credit bureaus: Equifax, Experian, and TransUnion. I expect this matter to be resolved within 30 days from the date of receipt of this letter. In addition, I would like to request that you provide me with a written statement confirming the removal of this account and confirming that it will no longer be reported to any credit reporting agencies in the future. Please ensure that this statement includes the date of removal and the name of the credit bureaus you have notified. If the investigation reveals that this account is indeed inaccurate or incomplete, I urge you to take immediate action to rectify the error and to update my credit reports accordingly. Should this be the case, I also request that you send me a corrected copy of my credit report, once the necessary modifications are made. Please be advised that I am aware of my rights under the Fair Credit Reporting Act, and should you fail to comply with my request, I will not hesitate to pursue legal action to protect my rights. Thank you for your prompt attention to this matter. I trust that you will handle this request with utmost urgency and professionalism. Should you require any additional information or documentation, please do not hesitate to contact me at [Your Phone Number] or [Your Email Address]. Sincerely, [Your Name] Enclosure: Copy of Credit Report with highlighted account information
Wyoming Sample Letter for Request for Removal of Derogatory Credit Information
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How to fill out Wyoming Sample Letter For Request For Removal Of Derogatory Credit Information?
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FAQ
A 609 letter is a formal document consumers use to request more information about account details listed on their credit reports they believe to be erroneous and to request the removal or correction of this inaccurate information.
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.
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.
In general, a 609 letter is not a legal loophole that consumers can use to remove accurate information from their credit reports. This means they can't relieve you of any verifiable debt. If a credit bureau is able to verify your debt, it will stay on your report. They also can't relieve you of your existing debt.
You cannot remove collections from your credit report without paying if the information is accurate, but a collection account will fall off your credit report after 7 years whether you pay the balance or not.
A 609 letter can help you verify information and identify errors on your credit report. It can also uncover ?hidden? details that don't show up in your free credit report. Section 604 explains the circumstances in which the credit bureaus can release your credit information to various entities.
Paying off collection accounts can raise credit scores calculated using FICO® Score 9 and 10 and VantageScore 3.0 and 4.0, but it won't have any effect on scores produced by older FICO scoring models.
How to remove negative items from your credit report yourself Get a free copy of your credit report. ... File a dispute with the credit reporting agency. ... File a dispute directly with the creditor. ... Review the claim results. ... Hire a credit repair service. ... Send a request for ?goodwill deletion? ... Work with a credit counseling agency.
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.
I am writing to dispute the following inquiries and ask for their removal from my credit report. Item No. Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.