Your Clean Credit Fix - Sample Credit Repair Letter

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a (insert credit type for which you were denied here), which was highly embarrassing and has negatively impacted my lifestyle.

- Not Optional: With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP.

The following information therefore needs to be verified and deleted from the report as soon as possible:

Creditor's Name, acct.# 789456321 (etc.)

Please delete the above information as quickly as possible.

Sincerely,

Your Signature

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- Add this personal information to another PAGE...

Your Full Name (i.e., William John Wyler)

Current Address: 123 Your Street Address (length of time)

Your City, ST 93567

Former Address: 456 Your Street Address (length of time)

Your City, ST 93567

SSN# 456-70-8978

Driver's License # -

Date of Birth -

Spouse or Significant Other's Full Name - Provide the same information above if it's a "joint credit report" - for your spouse or significant other.

Attachment(s) included.

Provide written proof disputing each derogatory claim.

Additional Proof of Who You Are: Use a utility such as an electric or telephone bill showing your name and current address.

Keep a copy for your files and send the letter certified mail return receipt requested.

*These credit repair sample letters can be adjusted to fit your specific needs... they are only meant to be guidelines.

Always include any copies of proof you may have (i.e., cancelled checks showing timely payments, paid off accounts, loans: anything that will show the information is indeed erroneous).

It never hurts to include the consequences that have resulted from this wrongful information as well. The credit agencies give the most immediate attention to seriously wronged consumers. Remember, they are bombarded with 10,000+ letters a day.

The 3 credit repository addresses are below and they ARE current... click here -->

*Sample Credit Repair Letter # 2

Date

Credit Repository (i.e., Equifax, Experian and Trans Union) addresses below -->

Bureau Address

Anytown, State 93567

To Whom it May Concern:

William John Wyler

SSN# 456-70-8978

Address: Your City, ST 93567

(Current address for last 5 years or provide previous address also)

Driver's License # -

DOB: 1/1/00

I've just reviewed my credit report and have noticed there are several inaccurate items on my report:

Chase VISA Acct: xxxxx-xxxxx-xxxx-xxx:

This account is listed as being 30 days late. I have never been late on this account.

Sears Acct: xxxxx-xxxxx-xxxx-xxx:

This account is listed as being 30 days late. I have never been late on this account.

Universal Acct: xxxxx-xxxxx-xxxx-xxx:

This account is listed as being 30 days late. I have never been late on this account.

In addition, there are a number of credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed:

Master Card Acct: xxxxx-xxxxx-xxxx-xxx:

GE Consumer Card Acct: xxxxx-xxxxx-xxxx-xxx:

Penney's Acct: xxxxx-xxxxx-xxxx-xxx:

I have enclosed a copy of my driver's licence as proof of identity.

Sincerely,

William John Wyler

Don't forget to provide proof if you have it!

Keep a copy for your files and send the letter certified mail return receipt requested.

All credit repair letters vary in format and it's up to you to add all your

private information accurately. Any credit dispute is all about proving to the repositories who you really are and verifying it! How many people in the United States alone have your exact name?... think about it!

- Your Clean Credit Fix

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