Sample Letter To Remove Closed Accounts From Credit Report

Writing a sample letter to remove closed accounts from credit report is an important part of credit repair. Credit bureaus and reporting companies are not easy to deal with. Especially in the days of the internet many of these companies have shady operations. They can be very difficult to deal with and many times you will receive the run around. It is essential that if you have any dealings with these types of companies that you write a sample letter to remove closed accounts from credit report.

Table of Contents

How to Send a Dispute Letter to Creditors 14 Steps from sample letter to remove closed accounts from credit report , source:wikihow.com

I think most of us would rather deal with the company our self, but what do we do when we get run over by the big credit bureaus? What do we do when they refuse to remove something even after we follow the process given to them? Well, we find another one. That is exactly what you will do when you write a letter to the credit bureaus describing your side of the story. You will detail the problem and how it was taken care of, hopefully leading them to remove the account from your credit record.

Sample letters like this are all over the place. They can be found on many credit repair websites or you can locate them in books found at your local library. All you need to do is search for a letter that explains the situation and how you have dealt with it and use that as a template for your own letter.

How to Send a Dispute Letter to Creditors 14 Steps from sample letter to remove closed accounts from credit report , source:wikihow.com

If the account is bad enough that you feel you should mention it on your credit report then go ahead and do it. However, don’t just throw up a letter and hope for the best. You should know what you are talking about and how to word it properly. Your letter should also be explaining to them why you believe it should be removed from your report. Don’t just state the name of the company and say it was reported to them by someone.

Also, do not just simply say “I want my account back” and leave it there. There are certain procedures that must be followed when contesting items on your credit report. You will need proof that the account is yours to have it removed. Make sure that you are able to provide the proper proof, if possible.

12 Simple Steps to Repair Your Credit and Increase Your Credit Score from sample letter to remove closed accounts from credit report , source:inc.com

Once you are ready to begin your dispute make sure you follow the proper procedure for submitting the dispute to the credit bureaus. You will not receive any help from them if you do not follow the steps. They have been trained to deal with these things and often they will not get back to you. So make sure you follow their instructions. You can contact the credit bureaus by mail, phone, fax, and in person.

If you choose to use the mail to send your dispute then you should attach a SASE with the letter and include a scanned copy of your ID for proof of who you are and proof that the account is yours. When you submit this letter to the credit bureaus the letter will be read by the responsible agencies. A responsible agency will usually give you a response within 30 days, usually on the same day. It may require you to attend an interview or send them additional information to verify who you are and what you are trying to accomplish. Keep in mind that if you don’t have all the proper documentation you could still be removed from your credit report.

3 Ways to Dispute an Experian Credit Report by Mail wikiHow from sample letter to remove closed accounts from credit report , source:wikihow.com

If you choose to use the phone, fax, and in person method then you will need to follow the same guidelines as when sending the letter in the mail. Again you will need to attach a SASE with the letter and include a scanned copy of your identification for proof that you are the owner. The credit bureaus will contact you by phone or fax. You may be required to attend an interview or send additional information to verify who you are and what you are trying to accomplish. In order to remove closed accounts from credit report and remove late payments, you need to follow the above process until all disputes are resolved.