The following letters are in Microsoft Word format and can be downloaded by double clicking on the links below.  Adapt the appropriate letter to your specific circumstances and save it to a file in a directory on your computer.  Then copy and paste one of the three addresses below onto the letter and save the new files on your computer with unique names and print the letter.  Repeat with the additional addresses.  Address envelopes and mail the letters via U.S. certified mail with return receipt requested.  The credit reporting agency has 30 day to send you a return letter and the date on the green return receipt postcard starts the time period. 

Include a clean copy of your drivers license and a utility bill to confirm that you live at your current address.  If you do not include these items, the credit reporting agencies will return your package without making the changes you have demanded.  It's a good idea to slightly enlarge your driver's license so the copy is very clear.  They're looking for reasons to reject your demands.  You have Federal rights.  Demand your rights.

 
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Sample Letters:

Click on the link below for:
Request-For-Credit-Report Sample Letter,
Request-For-Free-Credit-Report (based on credit denial) Sample Letter,
Complaint-Letter-to-Delete-Inaccurate-Information Sample Letter,
Request-For-Removal-of-Outdated-Information Sample Letter,
Request-to-Merge-Inquiries-with-Account Sample Letter,
Reminder-to-Respond Sample Letter,
Demand-For-Corrected Credit-Report Sample Letter,
Addition-of-Consumer-Statement Sample Letter,
Request-For-Husband-And-Wife-File-Separation Sample Letter,
Request-For-Addition-of-Supplementary-Credit-References Sample Letter,
Explanation-For-Delinquent-Payment Sample Letter, and,
Creditor-Settlement-Agreement Sample Letter.

If a credit reporting agency cannot verify that a disputed item is correct as reported, it must modify or remove it from the file.  If the credit reporting agency confirms at a later date that the information is correct as reported, the credit reporting agency will add the information back into the file.

Addresses:

Equifax
P.O. 105851
Atlanta, GA  30348

Experian Consumer Relations
701 Experian Parkway
Allen, TX  75013

TransUnion
2 Baldwin Place
P.O. Box 1000
Chester, PA  19022
 

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