Disputing Late Payments From Credit Report

 Sample letter to remove Late Payments being reported on credit report...

From: Kate Rieger

Kate Rieger Free letter to remove negative items from credit report

Use this as an example to request negative information be removed from a credit report. You may have to do this for all 3 credit bureaus. Replace the sample information with your own dispute information.

You will need to include a copy of you drivers license, proof of address (utility bill) and copy of you social security card to prove your identity.

Don't delay starting today!

Your Name
Address
Address
SS#
Date

Credit Bureau Name
Address
Address

3/17/08

To Whom it May Concern,

The following information is being reported in error on my credit report. I would like for you to investigate these concerns and remove the incomplete, outdated or untimely, inaccurate or unverifiable information from my file.

Inquiries

Over a month ago, I wrote to all of these companies asking them to send me proof that I authorized these inquiries on my account. As of today none of them have responded or offered proof that I authorized this action. Please delete, purge and do not allow all of these inquiries to be merged back on to my credit report.

ACRANET-308 550 W OLD COUNTRY SITE 110 HICKSVILLE NY 11801
AMERICREDIT 801 CHERRY ST SUITE 3900 FT WORTH TX 76102

Credit History Corrections

1. Bank One Account # xxxx has been reported as late. Please note that Chase Bank is reporting this same account # xxxx late. I have consistently paid this account on time. I even paid it through an automatic payment process. Please verify this information with Chase and send me all factual data, forms, notices of delinquencies any other items that verify that I authorized this account. If you can not verify this information and provide the documentation to me, please correct and update this account to show that all payments are on time. The Credit Limit is being reported as N/A. The correct limit is $21,000, please correct the limit amount.

2. Bank of xxxx Account # xxxx This account is not mine. Please verify this information with Bank of xxxx and send me all factual data, forms, notices of delinquencies any other items that verify that I owned this account. If you can not verify this information and provide the documentation to me, please remove this account from my credit report.

3. Chase account xxxx. This account is not mine. Please verify this information with Chase and send me all factual data, forms, notices of delinquencies any other items that verify that I owned this account. If you can not verify this information and provide the documentation to me, please remove this account from my credit report.

4. HHGregg/GEMB Account# xxxx is reporting me late 30 and 60 days. I have consistently paid this account on time. Please verify this information with this company and send me any factual data or notices of late payment. If you can not verify this information and provide me with documentation, please correct and update this account to show all payments are made on time.

5. Lane Bryant Account # xxxx is reported as late. I have consistently paid this account on time. Please verify this information with this company and send me any factual data or notices of late payment. If you can not verify this information and provide me with documentation, please correct and update this account to show all payments are made on time.

6. The Avenue Account # xxxx is reported late back in Nov, Dec, Jan, Feb of 2007. I was not late during this time frame. Please verify this information with this company and send me any factual data or notices of late payment. If you can not verify this information and provide me with documentation, please correct and update this account to show all payments are made on time.

7. Home Dept/CBSD xxxx this is being reported as late. I have never been late on this account. . Please verify this information with this company and send me any factual data or notices of late payment. If you can not verify this information and provide me with documentation, please correct and update this account to show all payments are made on time.

After your investigation is over and you remove the items or information I am disputing please block it from my file so it is not re-reported at a later date.

I am also requesting a copy of my updated credit score and a copy of my entire credit file for further review. I am requesting that you send me all documents you have on file concerning my “file” not just my “report”. All factual data forms, all notice of delinquencies and any other items you have in my “file”. If there is a fee required please notify me immediately so I can forward that amount to you.

The law, clearly states you have 30-days (not business days) to verify this information and then 5-business-days to notify me of the results. That would give you a maximum time frame of 35 calendar days from receipt of this letter.

If I misunderstand the law in this case, please, send me proof of some other time frame. I also understand that you will be sending me an updated credit report, after your investigation is complete. Thank you in advance for your quick response. As per the information I received with my reports I am also sending proof of my address and Social Security number.


Sincerely,

Your Name