REQUESTING THE REMOVAL OF INACCURATE INFORMATION

Your Name

123 Your Street Address

Your City, ST 01234

(Current address for the last 5 years)

SSN XXX-XX-XXXX

DOB: 1/1/00

 

Credit Bureau

Credit Bureau Address

Some City, Any State 56789

 

Date:

 

To Whom it May Concern:

 

I’ve just reviewed my credit report and noticed there are several old items on my report.  Per the Fair Credit Reporting Act, all items older than 7 years must be removed.  The 7-year clock starts from the date of the first delinquency.

 

1.  Chase VISA Acct: XXXXX-XXXXX-XXXX-XXX:

This account was charged off in 1995, clearly more than 7 years ago.  In addition, the following collection accounts are associated with this account and also need to be removed under the FCRA.

a)     ACME Collections Account # XXXXXXXXXX

b)    ABC Collections Account #XXXXXXXX

 

2.  Sears Acct: XXXXX-XXXXX-XXXX-XXX:

This account was charged off in 1996, clearly more than 7 years ago.  In addition, the following collection accounts are associated with this account and also need to be removed under the FCRA.

 

I have enclosed a copy of my driver’s license as proof of identity.

 

Sincerely,

 

 

 

 

 

Your Signature

Your Name

 

enclosure

 

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