Posts Tagged Proof
How To Write Letters To Remove Information Off Your Credit Report
Many people who look into their reports find that their credit information has errors and those errors usually affect your credit negatively.
Maintaining an accurate score sometimes requires us to be pro-active, and we must write letters to remove information off our credit report. These are sent to the big 3 credit bureaus. Although in many cases the first thing most people want to do is to call the Credit Bureau and tell them off, this would be counterproductive. Instead the best method would be to sit down and write a credit report dispute letter.
You should read your credit report, take notes as to what you consider the problem areas are and think whether what’s on the report could actually be true. If, in finding that what’s on the report is false, you need to think through how you’re going to word your letters to remove info off credit report. You’re going to have to send a copy of this letter to each of the three main credit bureaus: TransUnion, Experian, and Equifax. Be polite and state facts as you see them. See example letter below.
Dear (credit bureau name here),
After looking at a copy of my credit file, I found that it contained erroneous information. I would like to dispute this information and request a correction. I am concerned about the information that you have put in my credit report as it could seriously impair the credit rating I enjoy with lending institutions.
You have not (state the problem here).
Be sure to include the month, and the date, and the name of the business.
I am enclosing a photocopy of my cancelled check as proof of my payment. Hopefully, this will correct the accuracy of my credit file. As you are certainly aware of, the credit bureaus are only allowed to use accurate information in a consumer’s credit file.
Thank you for correcting the above errors to insure that it doesn’t impair my personal credit. Please contact me as soon as the correction has been made and my credit report is again accurate. Please send a copy of my credit report to: (place mailing address here).
Yours,
(Your name)
Be sure to include your full name as listed in your credit report, address, Social Security number, copy of your driver’s license, copy of the credit report, and copy of your proof, i.e. cancelled check.
Be sure to retain a copy of whatever you send to each credit bureau. Make a note of the date that you mail your letters to remove info off credit report. Using certified or registered mail is a good idea, as this will give you proof of the mailing date.
Joan
A hospital accepted a payment agreement, but they sent my account to collections?
I owed $900 to a local hospital. They wanted me to pay $130 a month, but I couldn’t afford it. I made one payment of $130. Then I signed up for a debt consolidation program through a company called Care One.
Care One sent out a proposal to the hospital, asking them to accept a smaller payment every month. The hospital sent me a letter saying that they would accept $50 a month. I kept the letter. I pay them $50 a month, and I make every payment on time.
But they sent me a letter saying that I broke the payment agreement because I didn’t pay $130 a month. They sent my account to an outside collections agency. I just checked my credit report. It shows that the account has been in collections for three months.
I recently got a letter from the collections agency, saying that I have 30 days to dispute it. Why didn’t they send me a letter BEFORE they reported it to the credit bureaus?
I looked at some of my old bills from the hospital. I read them carefully. I saw that at the end of each bill, they left a note, threatening to send my account to collections. I still have their letter, saying that they agreed to take $50 a month. But was I supposed to call and remind them about it? Is it too late for me to dispute this and get it off of my credit report?
The hospital says that they didn’t agree to take $50. I have the letter as proof, but their billing department says they don’t have record of sending me that letter.
Care One sent the hospial a form, asking them to accept like $16 a month. The hospital filled out the form, saying that they would accept the program if we agreed to pay $50 a month.
Mark
Is there a way to repair your credit by sending registered letters denying the debts to the credit report cos?
Posted by admin in Personal Finance on March 24, 2010
I have heard this often. That you can send registered letters denying the debts one by one to the three credit reporting bureaus and if they didn’t provide proof of the debts within 30 days or something that they had to remove the debts. Everything except judgements. Is this true? If so, how is it done exactly?
Henry
How can I get a paid debt off my credit report?
I am in the process of buying a house and previously I had two debts on my credit report – that was it. So I basically had no credit. I paid one the other day and I called to pay the other and they said I paid it in 2005, but for some reason it’s still on there.
I tried calling Transunion but just got to speak with an obviously Indian man who I could barely understand and he didn’t understand my question and I’d rather not have to go that route. Can I just mail all three credit agencies the proof of payment and some kind of letter? Who do I address it to? I want to make sure it gets into the right hands. Is there one central credit bureau I can mail the letter to and be done with it?
Any info would be so helpful. I’m closing in less than a month and everything else is fine. Just this one silly issue is holding everything up.
Brandon
how can i fix my credit score?
I have just recieved my free annual credit report from all three credit bureau’s, and i see alot of things that i do not recall ever getting… how can i fight these claims to get proof that they are mine? i beleave it might be credit card fraud. and links will be extremely helpful.
let me rephrase the question… i want to despute everything on my credit report with all 3 cred bureau’s; how do i got by doing this? LINKS PLEASE!!!!
Peggy
What can I do about collection calls for accounts that aren’t mine?
Posted by admin in Other - Business & Finance on July 24, 2009
Lately, I have been receiving numerous phone calls to my cell phone on a daily basis from (800) 240-1195. Doing a reverse lookup, I discovered that the number belongs to CBCS, a nation-wide collection agency. Recently, they have started leaving generic voicemails stating that they’re trying to collect a debt and to give them a call. They don’t mention my name or what it’s for. I pulled my three-bureau FICO credit reports last week for an unrelated matter and all of them came out excellent with no notes or comments regarding collections. I’m in the middle of a dispute with another collection agency for a past-due landline phone bill that never belonged to me at an address I have never lived at. That situation is about to be settled since I provided the proof they need to show it’s not mine. However, I don’t want to go through that same process for whoever is calling me now from CBCS. Should I just ignore the calls or actually answer them to find out what the heck is going on?
Jim
Is this really a late mortgage payment?
For Nov and Dec 2006 only half payments were made each time. I don’t remember making half payments twice and can only find the bank transaction for two half payments to the lender.
Both paid in the months due but reported to the credit bureaus as late payments by 30 days at least 2 times. This reporting has brought my credit score down I’m sure. Can I dispute it?
I have proof of the half payments. If I submit it to the bureaus will they retract it so that it does not read that way on my credit report? I was told that if you pay something they can’t report it as late or unpaid for that month. I didn’t make half payments deliberately as I would not have done that twice.
Also, Does correcting multiple mistakes like address and name mistakes raise your credit score? I pulled all three reports and they all have multiple variations of my name, past addresses, and places of employment. Does that bring my score down due to suspicion? Do disputes look bad?
Well I agree that it was not the full payment that I agreed to pay. However, it was a payment. Should I just add comments to my credit report that I made payments for those months so that it won’t seem like I just abandoned two months. Or should I just leave well enough alone.
I think it’s junky for all of those misnformations to be on the credit report. Any teacher would give a junky paper a low grade and a well put together paper a higher grade. I had one creditor pull my report for me and it was pulled by inputting the wrong name. All throughout the report it read that incorrect name so I expect that will be another addition to the report. This is so frustrating. I was doing so well and now I have those marks. 
Bostonian, thanks for your response but relax your getting irritated helps nothing, It’s my lender’s loan and my credit. Nothing affects you. I don’t have any other blemishes so it’s a lesson learned. I didn’t say I should get a free ride. Obviously if I have a house and a loan I haven’t been mooching off of anyone as you say. No point in you gettting your blood pressure up. Hope you calm down later. 
Gina
Is my Credit Report reporting MY information?
Is my credit report reporting my information?
Have you ever looked at your credit report and wondered what some of the information or accounts were that is being reported to your credit report? Things like previous addresses, employers and even accounts that you know you never had can appear on your credit report. Sometimes this is simply a mistake and information was merged into your social security number but it also may be as serious as identity theft.
What to do with that information? First, you should try to determine if the information is completely inaccurate or is it just information that may have been reported incorrectly. For example, the street name on a previous address is inaccurate but is similar to a previous address. Someone may have just typed in the wrong information that was reported to the credit bureau. But if you see an address in a completely different state that you never have lived at, then you might have been a victim of identity theft.
Start with disputing that information with the credit bureau. Don’t give up until the information is either removed or corrected. False information such as inaccurate addresses and such open you up for becoming a victim of identity theft. In fact, you may have already become a victim.
You might find out that there are accounts listed that you don’t remember having. First, dispute these accounts letting them know that these accounts are not your accounts. Ask them to provide you with proof on opening the account. Then you determine if those accounts were accounts that you forgot about. But if they are not your accounts, then you may need to file identity theft paperwork. You may be required to contact the police department and file a police report.
Identity theft is not something that you should take lightly. By not responding quickly enough, you may be opening yourself to becoming responsible for accounts that have used your name without your permission. By involving the police early enough, you may limit your liability and financial loss.
Some accounts may have been merged into your account by accident, but without disputing them they show on your credit history report. This is the problem with negative information on your account. It can really hurt you if you don’t take the time to review and dispute inaccurate information.
Not everything on your credit report may be of your doing. Dispute everything on your report that is not your information first. Credit Repair will help you to remove the incorrect information.
Marion
I fixed the wrong billing part — now how do I fix my credit report?
To my shock, I received an overdue bill of $300+ for the activation and cancellation of an AT&T cellphone line. It was impossible that this account was under my name since I already had an existing account with the company and had never opened a second account. My first thought was fraud, but it turns out that Radioshack had somehow accidentally activated two accounts the day I asked to open one. Fortunately, an AT&T representative said that my dispute for this wrongful billing would likely be successful since it was done without my knowledge and that there had never been any phone use in the second account.
Great. However, I am aware that this overdue bill have negatively affected my credit score, even if it was through no fault of mine. I don’t think this will come off my credit report by itself once AT&T takes the bill off under my name, right? The AT&T representative told me to request documentation of proof and send it to the credit bureau (all three of them??) to get it off of my credit report. My mom says that it is not I but AT&T who should directly send the documents to the credit bureau because it was them and Radioshack who are in the wrong. Who is right? What is the proper procedure for me to take if it should be me?
Marion
Is there a way to report mortgage payments on credit report if note is not bank owned?
Three years ago, my husband and i found a house we wanted to buy. We didn’t have much money to put down and our credit rating wasn’t the best. So, my mother in law actually purchased the house for us and we make monthly (on-time) payments to her and have canceled checks and statements for proof of timely payments. Is there a way she can report these to the credit bureaus?
Lucille