Credit Letters

LETTER NO. 1
Date
Your Name
Your Address
Your Social Security Number
Your Date of Birth
TO: T.R.W. (or) TransUnion (or) Equifax
(Addresses are provided on page 3)
To Whom It May Concern:
Recently I received the enclosed denial for credit notice which was based, at least in part, on the information you provided in regards to my credit profile. I am requesting that you submit to me a full copy of my credit report along with any special instructions I may need in order to understand that report. It is my understanding that according to The Fair Reporting Act that there is no charge for this service based on the denial. I have maintained a copy of the denial notice as well as this request for my files.
Thanking you in advance for your prompt attention to this matter.
Sincerely,
(signature)
Your full name



LETTER NO. 2

Date
Your Name
Your Address
Your Social Security Number
Your Date of Birth
TO: T.R.W. (or) TransUnion (or) Equifax
(Addresses are provided on page 3)
To Whom It May Concern:
Enclosed you will please find the required fee for me to obtain a copy of my credit report as it is maintained by your agency. At the time you submit my credit report to me at the above address, instructions or guidelines on how to properly interpret the report are also requested. Your prompt attention to this request is greatly appreciated. The remittance in the form of a money order instead of a personal check should assist you in a speedy reply.
Thanking you in advance.
Sincerely,
(signature)
Your full name




LETTER NO. 3

Date
Your Name
Your Address
Your Social Security Number
Your Date of Birth
TO: T.R.W. (or) TransUnion (or) Equifax
(Addresses are provided on page 3) To Whom It May Concern:
Recently I have reviewed my credit profile as reported by your agency and noticed that there are some items which are incorrectly reported. A copy of my credit report is attached with each discrepancy numbered. The objections to these items are stated below. I have full knowledge of The Fair Credit Reporting Act as well as my rights as a consumer. Please review my credit profile and delete the items mentioned below. 1. VISA: This account should read as current and not a chargeoff. I have never been past due on this account.
2. FORD MOTOR CREDIT: This account is not a repo. My father has the same name as I do with the exception of the Jr. Perhaps the files are mixed up due to the similarity in names. I have never been late with my payments to Ford Motor Credit.
3. RECOVERY SERVICES U.S.A.: I have never been notified that I had an item in collections. Collection law states that a collection agency must give me an opportunity to dispute or pay a debt prior to it being reported.
Thanking you in advance for your prompt attention to this matter.
Sincerely,
(signature)
Your full name
Enclosures