Ok, I am going to go through a quick run down of what you need to know about credit repair sample letters. There are free sources on the internet as well as paid more specialized sources. But here is the gist of it.
First of all, be polite and straight to the point. Open the letter with the regular everyday letter openings. Dear credit bureau, To whom ever it may concern, etc. What ever floats your boat.
Then state the obvious: This letter is a formal complaint that you are reporting inaccurate data.
State that you are distressed, frustrated, angry, how ever you feel about it, that this incorrect information is on your credit report.
Be sure to remind them that credit reporting laws require them to report only accurate data.
Credit agencies receive over 10,000 letters a day. So they tend to give the most attention to seriously wronged consumers. So tell them how this error has wronged you. Turned down for a load that you really needed. The embarrassment of rejection. Your dog died because you couldn't get a loan for a new kidney. You get my point.
Show proof. Bank records should do. Refer to them in you letter and attach them.
Give the name of the creditor and the account number and stress that the data needs to be removed immediately.
Sign your name and have your social security number underneath.
Keep a copy of the letter for your own personal records and send it registered mail.
Again, be sure you have proof that the reported information is wrong.
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