Does anyone have a sample letter of deletion for a credit bureau?
345103
What is it you are trying to do?  Remove a past credit listing placed because you were late with car loan payments?\n\nKeep in mind that now the loan is paid off they may not want to cooperte with you on this.  Just ask them politely.  Tell them you have paid off the loan, you are an active credit union menber and would appreciate if they can help you restore your credit.  At least have the listing updated to show the loan is paid in full.\n\nTalk to someone in the collections department.  They know what a letter of deletion is, they are acting stupid!
439735
From what I understand, the letters have to be timed out carefully. The agencys have 30 days to comply. If not, then you can leaglly sue. \n\nHowever, their responsiblity is to verfy the information. If they can verify the information, then they will make the appropiate change. If they can not verify, chances are they will delete it. So if you keep writing over and over about the same problem, chances are nothing will be resolved (unless they did not do what they are leaglly bound to). Wearing down won't happen as they can simply call your letters a nuesence and not deal with them. \n\nYou should read the Fair Credit reporting Act to get an understanding of your rights.
619633
Here is a sample:\nhttp://www.ocf.berkeley.edu/~asucrla/letters/rentalagr.html
587640
I am in the business of helping people with credit and I can tell you the fastest, most effective way to do it. First, get the addresses for all 3 credit bureaus. They are Equifax, Experian and Empirica. Once you have their addresses, make copies of all documentation and send it to them. Explain everything to them in full detail. This is the most direct way to get it off your credit. All 3 bureaus must be contacted to guarantee the removal. If you want to go online through their website then you'll have to scan your receipts and do the same thing. Happy trails!
89292
try contacting one of the three major credit bureaus, call a mortage company for the numbers.
604532
you can try skipease.com........this is how collection agencies find people, I am not sure about email addresses tho........good luck, and sorry to hear
583755
Here's one:\nhttp://www.agreementsetc.com/notice-to-pay/?OVRAW=sample%20eviction%20notice&OVKEY=sample%20eviction%20notice&OVMTC=standard\n\nBy the way, all I did was a Yahoo search of "sample eviction notice" and got instant results.
366951
You can find sample letter here.
972602
Yes I do! But read because its not just that simple\n\n\nThat’s good that you tried to repair your credit yourself before you decided to pay someone. Now that you know how aggravating the credit bureaus are to deal with, you need to find a legitimate company. Let me tell you; they are far and few between. I tried to repair my credit myself and gave up. Then I hired a company in California called a “Fresh Start” they charged me $695 and stole my money. I never heard back from them. It turns out it was a complete scam. \n\nStill very serious and skeptical about repairing my credit, the 2nd time around, I researched quite a few different companies. I finally decided on a company in Florida called Credit Network. They are a smaller company and they really know what they are doing. They also didn’t charge anything upfront except for a small setup fee, after that they charge $49 mo, after the work is performed for the previous month. When I started I had 73 negative items between all 3 bureaus! That was about 8 months ago, and they have deleted all but 17 bad items. They were realistic when they said it could take over a year, buts that’s fine with me, because they followed through on what they said.     \n\nSomething very important….. The bad debts that you say you owe; you need to pay them off. I don’t care if you settle them or pay them in full, eventually you need to pay them off because if you don’t, there is a very good possibility they will pop back up on your credit after you delete them. I was told that debts get sold and resold, even after the statute of limitations. So if you are as serious as you sound about repairing your credit, you have to pay them off!! \n\nOh yeah, here is the link to them http://www.expert-credit-advice.com/credit_repair_service.htm  \n\nand the home page: \nhttp://www.expert-credit-advice.com/
845931
The credit bureaus offer a toll-free number that enables you to “opt-out” of having pre-approved credit offers sent to you for two years. Call 1-888-5-OPTOUT (567-8688) for more information.
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Address of company\nTo whom it may concern:\n\nThank you for _____________________(service) \nAt this time I am cancelling _____________\n\nMy account # is_____________________\n\nIf there are any questions, please call me at____________.   \n\nSincerely, \n\nName----------------\nAddress where service is received_______________\nDate_____________________\n(Keep a copy for your records.)
317036
Here is a method I used once to get rid of a legitimate debt that I owed. You may be ablet to adapt this and use it for yourself. \n\nI owed a $485 bill to AT&T that I refused to pay until they took down a cell phone tower that had been illegally erected right next to someone's back yard. Of course they ignored me, so I ignored them right back and things went round and round for a few years like that. finally the debt was sold to a collection agency and then to another one and finally to one in Florida. Up to this point none of them had reported it to any of the credit bureaus. Suddenly one day, there it was! A festering puss-filled sore right in the middle of my credit report! I immediately wrote a letter to the collection agency saying that the debt was not mine, that this was an old debt (by now it was over five years) that was being shopped around until they could stick it on somebody. I told them this was very damaging to my credit, that I had no other late payments, and I demanded they remove it immediately. Also, I said, at the time this debt was incurred there had been two other people living in the same county as me with exactly the same name as me, and it must have belonged to one of them. Again I demanded that they remove this thing from my credit report. About two weeks later I got a very apologetic letter from them saying how sorry they were for the mistake and yes it would be removed from my credit report immediately. It was and I never heard from anyone about this again.\n\n"Hell no," said Tom. "I'm not paying this. You can take this bill and shove it!"
405566
www.uslegalforms.com there you will find a sample letter and will even help you write one. I think its costs like $5 or something
1185362
Aunt Beeaa is mistaken regarding dispute. The DIspute is what is giving you the problem of rectifying this.\n\nYOU CAN NOT DISPUTE SOMETHING THAT HAS NOT BEEN VERIFIED!!  below is why AUNT BEEAA is mistaken. Her advice is on the right track but it is off just a little and that little is why so many do not get good reluts when making these challenges.\n\n\nI can not sure-footedly dispute an alleged debt without verification; therefore, I must have certified verification/verification. I do not and will not waive my Due Process by disputing something that may or may not be valid. This demand for verification is in accordance with USC 15, Chp 41, Subchapter III.” \n\nSource(s):\n\ndemand for verification is in accordance with USC 15, Chp 41, Subchapter III.”\n\nFinally, the alleged accounts need to be validated/verified for legitimacy and accuracy if they are being reported to the public by your organization which may be against the Federal Rules of Evidence rule 1005\n\nSince 30 days from the receipt of this letter is your allotted time under the law to re-verify these entries, it should be understood that failure to do so within that 30 day period constitutes reason to promptly delete the information from my file (FCRA 15 USC s1681i (5)(A) ).\n\nAlso, pursuant to 15 USC s1681i (6)(A) of the Fair Credit Reporting Act, please notify me when the items have been deleted. You may send me an updated copy of my credit report to the above address. According to the provisions of 15 USC section 1681j, there should be no charge for this notification.\n\nHere is the answer:\n\nPlease note: I am not a Attorney and the following information is not to be used or considered as legal advice. It is only educational information. Consult an attorney if you have any legal questions\n\nRead and understand it thoroughly before using this information.\n\nEquafax does not extend credit. \nThe business you are applying for credit with is using information about your credit history and other data such as, length of employment and time at current resident to make decisions about your credit worthiness. Then Equafax, as well as the other 2 major credit reporting agencies, use a complex process to create a credit score. This score which can range from 350 to 900, is what the creditors use for the majority of their decision. the higher the number the more you look responsible and financialy stable.\n\nNow that you have been denied credit you can get a free copy of your report by sending the denial and proper identification to the reporting agency. The address for Equafax is on your denial letter.\n\nOnce you have recieved your copy, review it and note any inconsistentcies. \n\nWrite a letter to them sent certified, asking for CERTIFIED VALIDATION of anything you think does not belong on your report.\n\nDo not DISPUTE the debt or information.\n\nThere is difference between Dispute and Validation and you can not dispute something that is not valid or has not been validated to begin with. \n\nThe "Fair Debt Credit Reporting Act" (FDCRA) states that it is against the law for them to report inaccurate information once challenged. The credit reporting agencies have an obligation by law to remove or correct information within 30 days of written request.\n\nAlso keep in mind that each time you apply for credit it can cause your score to be lowered. There are some exceptions when shopping for a car or a mortgage however, they are limited to certain amounts of inqiuries.\n\nI have, with great success, used a letter like this.\n\n\nEXPERIAN \nPO Box 9701\nAllen, TX 75013 \n\nSubject: Certified Verification\n\nVia USPS Parcel #\n\nTo whom it may concern: \nI am writing to make a request for "Certified Verification" for each item listed below currently on my credit report. \nI appreciate your prompt attention to this matter.\n\nCompany Name Acct#\nAcct # \nAcct # \nAcct # \n\n\nPlease note the details below that you will need to retrieve \nThe info
602098
The contact information for the three major credit bureaus is as follows:\n\nExperian\nhttp://www.experian.com\n888-397-3742 (to order a report by phone)\n\nEquifax\nP.O. Box 740241\nAtlanta, GA 30374\nhttp://www.equifax.com\n800-685-1111 (to order a report by phone)\n\nTransUnion\nP.O. Box 2000\nChester, PA 19022\nhttp://www.transunion.com\n800-888-4213\n\nIf you want to order a report for free, consider going to http://www.annualcreditreport.com or http://www.freecreditreport.com
947024
you could try freecreditreport.com
422405
I posted the links to several sites with sample letters.  I think those and the other links will help you out a lot.\n\nJust a word of caution.  Before you start doing battle with the Credit Reporting Agencies (CRA's), you must first read and understand the Fair Credit Reporting Act.  It goes into the procedures that you must follow exactly if you want these items removed.  Remember, CRA's do not remove or  change items on your report.  Only the creditor can do that.\n\nSo, your first step is to ask the CRA to "verify" the listing.  The CRA does NOT investigate anything.  They will simply contact the creditor and ask if it's a legitimate debt, and if the information is correct.  If the credit says "yes" (in almost all cases I've messed with), then the report will stay in your records, but will now have a note that it is being disputed.\n\nYou must now send a letter to the creditor demanding that they "VALIDATE" the debt.  Use the sample letter below for that.  Validate means they must supply you with copies of contracts, bills, receipts, or anything that was used to calculate the debt they claim you owe.  If they do not respond back in 30 days, or if they do not remove the listing, they are in violation of the FCRA and you can sue them in court for penalties and damages.  \n\nKeep all letter and record any phone calls you make.  Send letters by certified mail so you have proof you sent them.  DO NOT be afraid to threaten lawsuits if they do not comply.  I've helped several people fix problems, plus cleaned up my open report from a lot of wrong information and ID Theft.  The threat of a lawsuit is the only thing these guys seem to understand.