Aug 2 • Q&A Credit Repair
Dispute Letters you Need....
1. Credit Bureau Dispute Letter (Inaccurate Late Payment)
To Whom It May Concern,
I am writing to formally dispute an inaccurate late payment reported on my credit file. Creditor: Capital One Account Number: 123456789 Date of Late Payment: March 2023 This payment was made on time and is incorrectly reported as late. Attached is proof of on-time payment from my bank statement. Under the Fair Credit Reporting Act, I request that this information be investigated and removed from my credit report. Thank you for your prompt attention to this matter.
Sincerely,
[Your Full Name]
[Your Address]
[Date of Birth | Last 4 of SSN]
[Today's Date]
2. Goodwill Adjustment Letter (Remove Legit Late Payment)
To Whom It May Concern,
I have been a loyal customer of Discover and value our relationship. I'm writing to request a goodwill adjustment for a late payment reported on my account. Creditor: Discover Account Number: 987654321 Late Payment: November 2022 Due to a family emergency, I missed a payment but quickly brought the account current and have remained in good standing since. I respectfully ask that you consider removing this negative mark as a one-time courtesy. Thank you for your consideration.
Sincerely,
[Your Name]
3. Pay-for-Delete Letter (Collection Account Negotiation)
To Whom It May Concern,
This letter is regarding collection account #555112233 listed on my credit report. I am willing to pay the full amount of $326 in exchange for the deletion of this account from all credit bureaus. This is not an admission of liability, but an attempt to resolve the matter amicably. If you agree to these terms, please send written confirmation on company letterhead. Once received, I will pay the amount in full.
Sincerely,
[Your Name]
[Your Contact Info]
4. Debt Validation Letter (To Collection Agency)
To Whom It May Concern,
Under the Fair Debt Collection Practices Act, I am requesting validation of a debt you claim I owe. Collection Agency: ABC Recovery Account Number: 444332211 Amount: $489 Please provide the original creditor, original account number, and documentation proving I owe this debt. During this investigation, I request that you cease reporting this account to credit bureaus. Sincerely,
[Your Name]
5. Identity Theft/Fraud Dispute Letter
To Whom It May Concern, I am the victim of identity theft and am disputing the following account that I did not open or authorize. Creditor: XYZ Bank Account Number: 000112233 Date Opened: June 2022 Please remove this fraudulent account from my credit report and block it from reappearing. Enclosed is a police report and FTC Identity Theft Affidavit. Thank you for protecting my consumer rights.
Sincerely,
[Your Name]
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Dispute Letters you Need....
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