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



Dear (Credit Bureau Name):


I have contacted your company ____ times regarding the errors which continue to remain in my consumer credit report.


I am again noting that problems have been discovered and they continue to remain unresolved. I don’t know how to better state my problem nor do I know how to correct the errors.


The following accounts are not mine.


Account Name & Numbers





Since you have not given me names of persons with their business addresses that you contacted for re-verification of the information, I assume that you have been unable to verify the information as well.


If this problem continues I will be forced to seek legal assistance. I understand that 30 days constitutes a “reasonable time” to complete these actions unless you immediately notify me otherwise.


Please send me an updated copy of my credit report with these items deleted.


Thank You,






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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