These are sample letters only. They are designed to help you with formatting your own personal letters pertaining to your own situation(s). NEVER waste your time or any credit bureau’s time with illegitamate claims.





Credit Bureau



RE: Acct. #…


Dear (Credit Bureau Name):


I have just received my credit report and have noted that it contains erroneous information regarding the following accounts.I would like them deleted from my record:


Collection Account ______________This is not correct. Please remove.


(Bank, Institution, etc.) – This is not mine.


(company name) (acct. # ______________) When I questioned (company name) about this account, they told me they requested this be removed from my credit report. How were you able to confirm it? Please explain.


(credit card company) ___________________ This is not mine.


(retailer name) _______________ This is not mine.


(company name) ____________ This is not mine.


Please re-investigate and delete these disputed items. I understand that 30 days constitutes a reasonable time to check these out. Please notify me if it takes longer.


Please send names and business addresses of those persons you contacted for any verifications. Or, as per the Fair Credit Reporting Act, please send me notification that the items have been deleted.


Please send an updated copy of my credit report to the following address:







Social Security Number


This letter is meant to serve as an example only. The text of your letter should pertain to your personal situation. You should consult an attorney for any legal questions you might have.




We are in the business of obtaining the best possible loan to meet your needs and goals, we are NOT in the credit repair business. You can remove erroneous information from your credit report by following instructions contained in this section of our website, or seek the help of a true professional, NOT a “Credit repairing agency” – that is the worst thing you can do!


This website section has been prepared for general information purposes only. The information in this section is not legal advice. Legal advice is dependent upon the specific circumstances of each individual situation. Laws may vary from state to state. We are not lawyers. We do not offer legal advice. The issues discussed on this site are the expression of the personal experiences of laypersons. Finally, the information contained in this section of the website is not guaranteed to be up to date. Therefore, the information contained in this section cannot replace the advice of competent legal counsel licensed in your state.


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