Request Correction of an Error In a Credit Report

Sample Letter #1

In the process of applying for a home equity loan, I learned that my credit record shows that I have missed four successive payments on a new car. I have no idea how this error has been incorporated into my credit history, since my only car is ten years old and I paid cash for it. To find such a claim associated with my name is disconcerting, to say the least.

Would you please review my records and delete this error before it damages my credit rating? Please inform me when the correction has been made.

Sample Letter #2

I am enclosing a copy of the credit report you sent me. I am distressed that the report claims that I failed to make payments on a stereo set and that it was repossessed. I have never purchased a stereo set on credit, and have never had a credit problem of any kind. There is another John Doe whose records often get confused with mine. His middle initial is M. I am John J. Doe. Please make the correction and send a corrected copy of the report to me and all other entities who received the inaccurate one.

Sample Letter #3

My credit report indicates that I charged $856.00 at Doe's Floral in Springfield, KS, on 5/16/2001. I did not. I was in Tuscany, Italy, for the entire month of May. I have enclosed a copy of my round-trip ticket, a copy of a rental agreement, and a dated photo of myself in front of the villa I rented. My credit card was stolen in April, 2001, and although I reported the loss, someone obviously used the card. Please remove this charge from my record. My attorney has called the credit card company and will shortly contact you to clear up this misunderstanding.

Sample Letter #4

My credit report indicates that I filed for bankruptcy in May of 2006. The actual date I filed for bankruptcy was May 2003. I am enclosing copies of all the relevant court documents with the relevant dates highlighted.

Since seven years have passed since I filed for bankruptcy, your records should now indicate that my credit is clear. Please send a corrected copy of your report to the Doe Lending Company.

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