DO-IT-YOURSELF CREDIT REPAIR PRIMER

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
Their Address

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

Enclosure

Letter No. 2

Date

Your Name
Your Address

Your Social Security Number
Your Date of Birth

TO: T.R.W. (or) Transunion (or) Equifax
Thier Address Here

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

Enclosure

Letter No. 3

Date

Your Name
Your Address

Your Social Security Number
Your Date of Birth

TO: T.R.W. (or) Transunion (or) Equifax
Their Address Here

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 repoe. 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

Letter No. 4

Date

Your Name
Your Address

Your Social Security Number
Your Date of Birth

TO: T.R.W. (or) Transunion (or) Equifax
Their Address Here

To Whom It May Concern:

Recently I wrote you in regards to erroneous reportings on my credit file. At that time I enclosed a copy of my credit report as well as a written explanation of the items that were incorrect. To date I have received no response from your office in regards to this urgent matter. The Fair Credit Reporting Act allows you ample time to review my report as well as make any corrections. Again, I am enclosing a copy of my credit report as well as a copy of my initial correspondence to you that describes in detail my disputes.

I, respectfully, request you give extra care to this matter as it is vital. As you are surely aware, credit is important in today's world and I feel that I deserve to have the courtesy of correct reporting.

Thank you for your attention to this matter.

Sincerely,

(signature)

Your full name

Enclosures

Letter No. 5

Date

Your Name
Your Address

Your Social Security Number
Your Date of Birth

TO: T.R.W. (or) Transunion (or) Equifax
Their Address Here

To Whom It May Concern:

I am in receipt of your letter in regards to the investigation of erroneous reportings to my credit profile and I must strongly disagree with your findings. You obviously have not verified the legitimacy of these reportings. In accordance with The Fair Credit Reporting Act if a company is not able to prove the account was delinquent in a certain amount of time, you must remove it. Again, I am enclosing a copy of my credit report as well as a copy of my original letter listing my disputes.

I anticipate the arrival of my corrected credit report shortly. I appreciate your cooperation in this matter.

Sincerely,

(signature)

Your full name

Enclosures

Letter No. 6

Date

Your Name
Your Address

Your Social Security Number
Your Date of Birth

TO: T.R.W. (or) Transunion (or) Equifax
Their Address Here

To Whom It May Concern:

In accordance with The United States Congressional Code, Title 15, Par. 1681, Page 946, if after reinvestigation of the credit profile, such information is found to be inaccurate or the creditor cannot prove incorrectly reported information, you shall promptly remove and delete such information. I say this because after corresponding with you for quite some time and supplying you with numerous copies of my credit report and a list of disputes, you are still incorrectly reporting items on my credit profile.

Enclosed you will find, for the last time, another copy of these items. If you do not act in accordance with the law and delete these items from my credit profile, I will be forced to ask my attorney to step in and assist me in this matter.

Your cooperation is greatly appreciated and anticipated.

Sincerely,

(signature)

Your full name

Enclosures

Letter No. 7

Date

Your Name
Your Address

Your Social Security Number
Your Date of Birth

TO: T.R.W. (or) Transunion (or) Equifax
Their Address Here

To Whom It May Concern:

I am in receipt of your notification to me that your investigation of the disputed items on my credit profile has been completed and I must strongly disagree with your findings. Please provide me with the name of the individual that you corresponded with at each of the creditors in dispute as well as an address and phone number where they can be contacted. A copy of the findings of your investigation is also requested. I feel that if an actual investigation of these items had been performed, your findings would be much different.

Once again I will extend you the courtesy of enclosing a copy of my earlier correspondence that outlines my disputes as well as another copy of my credit report. Quite a period of time has elapsed since I first began communicating with you in regards to this matter, as you can see by the original date of my letter. I feel that ample time has been provided to you in order for you to comply with the law. Your continued failure to disregard this matter will be answered by my attorney.

Please handle this as promptly as you can. I continue to appreciate your efforts in regards to this matter and look forward to hearing from you in the very near future.

Sincerely,

(signature)

Your full name

Enclosures

State Attorney General Letter

Date:

Consumer Protection Division

State of ________________ Attorney General's Office

To Whom It May Concern:

I am being harassed by several debt collection agencies and request that you immediately send to me all of the appropriate forms so that I may file a complaint with your agency about violations of the following two federal laws.

The Fair Debt Collections Practices Act

The Fair Credit Reporting Act

I am sure the actions of these debt collectors must be in violation of various state consumer protection law statutes as well. Please send me the necessary paperwork so that I may take action against these individuals and their companies.

I look forward to your prompt reply.

Sincerely,

(signature)

Your full name