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):


Going over my credit report I found many errors. I request your investigation of the following:


1. (Retailer name) – I spoke with (retailer name) again to verify my records. They confirmed this was my account and that there were no late payments to this account. They will draft a letter if needed to correct this error. Please contact this creditor.


2. Foreclosure (date) – I did not have a foreclosure on (date) or since then. Please remove this.


3. Collection Account _____________ I have tried to get to the bottom of this with the information your company supplied. How are you able to confirm when I cannot? (See enclosed copy). This is not mine. Please remove this.


Re: Auto

The consumer has no protection against automobile salesmen who are not concerned about a person’s credit report or what problems multiple inquiries can cause. I understand your credit bureau has legal responsibility in this matter. There should be more supervision on access to credit files by salesmen with these dealerships.


I did not authorize the following inquiries and demand they be removed from my file:


1. (company name) There are 4 different days in (month) of (year). Why would this be? Please remove 3 of these entries. I only authorized one.


2. ______ Motor Acceptance Corp. I only authorized one. Please remove the other 4 entries.


These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. Please send a copy of my corrected credit report as soon as possible to my address listed below.




Your Signature



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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