2005-2009 © debtconsolidationcare.com

2005-2009 © debtconsolidationcare.com 1


INDEX

Srl Topic Pages

1. Acknowledgement 4

2. About Debtconsolidation care 5

3. Sample Debt Settlement Letters

3.1.Counter Offer for Debt Settlement (sample 1) 6

3.2.Counter Offer for Debt Settlement (sample 2) 7

3.3.Letter of Acceptance of Verbal Offer (sample 1) 8

3.4.Letter of Acceptance of Verbal Offer (sample 2) 9

3.5.Debt Settlement Agreement (sample 1) 10

3.6.Debt Settlement Agreement (sample 2) 11

3.7.Unsolicited Offer Letter (sample 1) 12

3.8.Unsolicited Offer Letter (sample 2) 13

3.9.Pay for deleted Settlement Letter 14

4. Debt Collection / Debt Validation Letters

4.1.Debt Validation Letter 16

4.2.Debt Validation Follow up Letter (sample 1) 17

4.3.Debt Validation Follow up Letter (sample 2) 18

4.4.Debt Verification letter 19

4.5.Request letter to stop contact 20

4.6.Cease and Desist Letter to collection agency 21

4.7.Expired SOL Notification Letter 22


5. Letters to Creditors

5.1.Request Creditors for alternative Payment Plan 23

5.2.Letters to contact creditors 24

5.3.Request creditors to remove inquiries 25

5.4.Sample letters to revoke wage Assignment 26

5.5.Goodwill letter to remove negative listing 27

6. Sample Dispute Letters to Credit Bureau

6.1.Request Letter to remove inaccurate information 28

6.2.Letters to Dispute Account Status 29

6.3.Follow up Letter after Initial Contact 30

6.4.Verification Request Letter To Credit Bureaus 31

6.5.Notice to intent to file a lawsuit against credit Bureau 32

7. Miscellaneous Letters

7.1.Request Letter for removal of listing 33

7.2.Request Letter for name removal from mailing list 34

7.3.Request for buying Credit Reports 35

7.4.Request Credit Report after Credit Denial 36

7.5.Request Credit File from Credit Bureaus 37

8. Copyright Alert 38


Acknowledgements

The author of this E-Book, Peter Samuels is a Debt Samaritan from the debt consolidation care site. He is a Financial Consultant by profession and a visiting consultant for other financial sites. Inspired by the vision of the debt consolidation care team, “of building a debt free community in the near future”, he has volunteered gladly to be a part-taker of this noble mission. His contributions are dedicated to guide the general masses who are suffering from debt and financial problems.

Edited by Jason Holmes, who is a regular writer with the debt consolidation care team and a contributory writer for other financial sites.

Conceptualized by Denny Mathew who is the admin and an integral part of the debt consolidation care team.

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About Debtconsolidationcare.com

Debt Consolidation Care is a premium quality website rendering its members with debt consolidation solutions along with free financial analysisand counseling. The site offers resources & guidance on debt related issues. Experienced credit counseling is arranged to analyze the best solution for every debtor, keeping in mind their present financial status. The Article section in the site offers you a wide range of informative articles. Important synopsis on American State Laws & their proceedings are also helpful.

“Do It Yourself” guides the debtors to plan a budget, assess financial limits & consolidate debts, without the help of a debt consolidation company. A step by step guidance on bad credit repairing is also available in the site. Creditor’s database comprises of creditor’s information across all the States of America. There is also a varied range of sample letters written to the creditors for your requirements. A smart Reduction Calculator calculates the total debt amount & savings you are likely to have if you opt for debt consolidation. The forum is a joint for open discussions and useful advice on any debt related issues. It is also a place to chill out with mutual conversations between friends. The customers are handled with immense care and are rendered with prompt services and useful solutions. The pivotal vision of debt consolidation care is to build a debt free community in the very near future.

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Counter Offer Settlement Letter to creditor

Your NameYour AddressYour Phone #

Creditor's NameDepartmentCreditor's Address

Date

Dear Creditor,Re: Account Number__________

I appreciate that your company is willing to work with me in settling my debt and paying it off. This letter is to make a counter offer in response to the settlement offer made by your customer service representative (over the phone) on [date].

The amount that I would propose to settle the debt in full is $_________. However, I would request you to remove any late payment entry or charge-offs on this account from my credit report.

I'd like to inform you that I have several debt accounts with other creditors as well. Unfortunately, I have limited amount of funds. So, I can pay only those creditors who are willing to meet my terms. I have already reached mutually agreeable settlements with a few creditors and I doubt whether I'll have enough funds to pay everyone.

If your company is willing to accept my proposal, please sign the attached letter of agreement and return a copy of the same to me. As soon as I receive this signed acknowledged agreement, I shall send you the money order in the amount I've proposed.

Yours truly,

Your SignatureYour Name

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Counter Offer Letter for debt settlement



Date


I appreciate the fact that your company is willing to negotiate with me for settlement of my debt. This letter is to make a counter offer in response to the amount your customer service representative wants me to pay for payment of debt in full. The amount that I wish to offer you for payment of my debt is $__________.

Unfortunately, I don't have enough money to pay all my creditors. So, I can only settle debt with those creditors who're willing to meet my terms. However, I've been able to negotiate successfully with a couple of creditors and I doubt if I'll have enough funds remaining at the end of this month.

While I settle the debt, I'd request you to help me remove any negative listing (late payment, charge-off etc) on this account from my credit file. In fact, I'd be willing to offer you more money if you can report my account status as "Paid in full" to the credit bureaus.

If you find these terms agreeable, please sign the attached letter of agreement and return a copy to me. Upon receipt of this signed acknowledged agreement, I will send you a money order in the amount as stated above.

Yours truly,

Your SignatureYour Name Back to Index


Letter of Acceptance of Verbal Offer (debt settlement)



Date


This letter is to confirm the debt settlement offer made between myself and your customer service representative (over the phone) on [date].

I appreciate that your company has agreed to work with me in settling my debt. The amount that your representative and I have agreed upon to settle the debt in full is $___________.

I would appreciate if you co-ordinate with the credit bureaus and remove any negative entry related to this account. It'll actually help me regain a perfect credit rating.

I hope you'll find the above terms acceptable. If it is so, please sign this letter of acceptance and return a copy to me. As soon as I receive this signed acknowledged agreement, I shall forward you the settlement amount (as stated above) through a money order.

Yours truly,


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Letter of Acceptance of Verbal Offer (settlement)



Date


This is a letter of confirmation or acceptance of the verbal offer in response to the mutual settlement agreement with your company representative over the phone () on [date].

I am impressed by your co-operation with me to help me settle the debt for less than what I owe. As agreed upon mutually, I confirm that I'll be paying $__________ towards settlement of my debt in full. As part of the settlement, I request you to remove any negative listing (late payment, collection etc) on this account from my credit file.

I hope the above terms and conditions are acceptable to your company. On accepting my proposal, please send me the attached letter with your signature in order to confirm our agreement. Once I receive this signed acknowledged agreement, I shall forward you the payment amount (stated above) through money order.

Yours truly,


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Debt Settlement Agreement Letter - Sample 1

(Creditor's name), the Creditor/Creditor's Representative and (debtor's name), the Debtor agree to negotiate and settle the debt under the following terms and conditions.

The Creditor and Debtor agree that the current outstanding debt is <$ balance amount>. Both parties agree that the Creditor will accept a cash payment of $_________ towards settlement of the debt in full. The Creditor agrees to compromise the debt under the condition that he'll receive the payment by [date].

If the Debtor fails to send in the amount agreed by, the Creditor shall immediately demand the payment of the original amount owed by the Debtor. (Creditor's name) also declares that he is authorized to act as an agent of the Creditor's company.

This agreement for debt settlement shall be binding upon the Creditor, Debtor and their successors and assignees.

Dated:

Signature:

(Creditor's name),Creditor

Signature

(Debtor's name),Debtor

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Debt Settlement Agreement Letter - Sample 2



Date


In response to my recent conversation with your customer service representative, I'd like to present a complete assessment of my financial situation.

Unfortunately, I have a lot of debt and not enough funds to pay all my creditors. So, I'll be able to negotiate and settle debt with a few creditors only. I have enclosed a copy of my financial statement with details of my monthly income and expenses. This will help you assess my financial situation and give you an idea as to why I have requested a debt settlement.

The final debt amount that we agreed upon is $_________. As part of the settlement agreement, I request you to co-ordinate with the credit bureaus in order to remove negative entry (late payment, collections etc) on my account from the credit report.

Given my situation, I hope you'll refrain from taking further action against me as payment will be maintained as decided in the agreement. I shall review my financial situation on a regular basis and inform you about any change, positive or negative.

I hope you'll understand my situation and co-operate with me in this hour of financial crisis. I look forward to receiving a written confirmation from your end regarding the debt settlement agreement.

Yours truly,



Unsolicited Offer Letter (for debt settlement)



Date


After a long period of financial crisis, I'm finally in a position where I can take care of my debt whose account number is given above. I would appreciate in advance all efforts your company is willing to take in order to help me resolve my debt problems. I'm sincerely trying to settle this debt and pay it off faster.

The amount I would propose to pay towards full settlement of the debt is $___________. Additionally, I would request you to take off any late payment or charge-off on this account from my credit report.

The fact is, I'm currently negotiating debt with several creditors and I have limited amount of money to pay the creditors. So, I have decided to settle only those debts for which I can satisfy the terms and conditions as mutually agreed between myself and my creditors.

I have already reached acceptable settlements with a couple of creditors and I doubt whether I will have enough funds available till the end of this month. However, I'd like to regain my credit rating and if you can help me do so, I'd be willing to offer you some more money as part of my settlement.

If you find the above terms and conditions acceptable, please sign this letter of agreement and send me a copy. Upon receipt of this agreement, I shall forward you the stated amount through money order.

Yours truly,Your SignatureYour Name Back to Index


Unsolicited Offer Letter to settle your debt



Date


This letter is to send you a proposal regarding settlement of my debt in full.

The fact is, I have been through difficult times with my personal finance. As a result, I haven't able to make payments on my debts. However, I am now in a favorable position to take care of my debt whose account number is given above. I really appreciate in advance your willingness to help me resolve this issue.

The amount that I propose to pay in order to settle the debt is full is $____________. I shall also request you to remove negative entry (late payments, charge-off etc) on the account from my credit report.

Currently, I am negotiating with a number of creditors and have even reached mutual agreement for settlement on a couple of debts. Unfortunately, I have less money available to pay all my creditors. Thus, I will most likely be able to pay those creditors who are willing to meet my terms.

I doubt whether or not I'll have enough funds remaining by the end of this month. However, I am willing to offer some more money to those creditors who would try to remove negative listing on this account from my credit report.

If you find my terms and conditions acceptable, please sign this attached letter and return a copy to me. Once I receive the copy signed and acknowledged by you, I shall send you a money order in the amount as stated above.

Yours truly,



Pay for Delete (Settlement) Letter

Your NameYour AddressYour Phone#

Creditor/Collector's NameCreditor/Collector's Address

Date

Dear Creditor/Collection Manager,Re: Account Number__________

This letter is in response to your call/letter/credit report entry on [date] for the debt account listed above. I would like to pay off or settle this debt in full and save our time and efforts.

I'd like to notify that I'm not acknowledging or accepting that I owe this debt. This is because the debt hasn't been verified yet. This letter also doesn't imply a promise to pay the debt unless you provide a response as detailed below.

I am aware of the fact that your company can report the debt to the credit bureaus as you find necessary. Moreover, you have the ability to change the account status since you are the information provider.

I am willing to offer $__________ as payment or settlement of the debt in full in return of your agreement to remove all information on this account from my credit report within 10 calendar days. If you agree to the terms, I shall send you a certified payment of the amount stated above in exchange to have all information on this debt account deleted from my credit report.

I hope you'll also agree to not discuss this offer with any third party (except the original creditor). If you find my offer acceptable, please send me a letter agreeing to the terms. It will be convenient for me if the letter is signed by your authorized agent. The letter should be subject to the laws of my state and treated as a contract.


As per the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. In case I do not receive your postmarked response within the next 15 days, I shall withdraw the offer and request full verification of this debt.

Please forward your agreement to my address listed above.

Yours sincerely,


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Sample Debt Validation Letter


Collector's NameCollector's Address

Date

Dear Collection Manager,Re: Account Number__________

This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim.

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt.

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission (FTC) and other state/federal agencies.

Please attach copies of the following documents:

Agreement with your client that authorizes you to collect on this alleged debt.

Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.

With regards,Your SignatureYour Name Back to Index


Debt Validation Follow-up Letter to collection agency



Date


I have sent you a written request to validate my debt having account no.__________ on [date].

According to the Fair Debt Collection Practices Act (FDCPA), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. Unfortunately, I have received no reply from you except the confirmation (by mail) that you did receive my request for validation of debt on [date]. However, the credit bureaus have already sent in their "verified" documents.

As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. I hereby notify that you are now in violation of the FDCPA and subject to a fine of $1,000 (refer to the Act for the updated value), which I can collect by filing a claim in the small claims court. I intend to follow through with the claim if I don't hear back from you within the next 15 calendar days.

This letter is to remind you that reporting such invalidated information to the credit bureaus can result in defamation of character, as any negative marking on my credit report would adversely affect my credit. I hope your legal staff will agree that non-compliance with this request could lead your company to serious legal trouble with the FTC and other state/federal agencies.


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Debt Validation Follow-up Letter to credit bureau


Credit Bureau NameCredit Bureau Address

Date

Dear Sir/Madam,Re: Account Number__________

This letter is to dispute the debt account referred to above. There is a serious misunderstanding with the collection agency. While you are able to validate my debt, the collection agency has not been able to verify that I owe this debt. This is really strange! The debt is not mine.

I am enclosing copies of my requests to the collection agency wherein I have requested them to validate my debt. I'm also attaching receipts showing that I have sent these letter certified signature request. This debt is not mine and I have received no evidence of my obligation to pay this debt to the collection agency.

As per the FCRA, you need to verify the validity of this item within 30 days. If you cannot verify the validity, you are obligated by the law to remove this item before I am forced to take any sort of legal action.

In case you cannot verify the item as per the FCRA, and you continue to list the disputed item on my credit report, I may find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in a qualified state or federal court including small claims court in my area.

While I would prefer to not litigate, I may use the courts as required to enforce my rights under the FCRA.

Looking forward to an uneventful resolution in this matter.


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Sample Debt Verification Letter

Company NameCompany Address


Date


This letter is to dispute the account referred above. I have already disputed this account information as inaccurate with the credit bureaus [insert names of credit bureaus]. But I find that you have been able to verify this debt. However, I would like to say that I was not late on this account and I have been only an authorized user.

In case you cannot verify this item pursuant to the FCRA and it continues to show up on my credit report, I shall find it necessary to sue you for actual defamation damages and declaratory relief under the FCRA. As per this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

As per court rules and regulation, a creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus. At the same time, the consumer has the right to sue under the FCRA, should his/her rights are violated.

While I would prefer to not litigate, I shall use the courts to enforce my rights under the FCRA.

I look forward to an uneventful resolution of this issue.

Yours sincerely,

Your SignatureYour NameYour Address

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Request letter to stop contact(by collection agencies)



Date


This letter is a request that you shouldn't contact me in order to collect payments on the account stated above. I am actually interested to work out a plan with the original creditor.

I hereby request you to stop collection efforts immediately or face legal actions under the state or federal laws.

Yours truly,


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Cease and Desist Letter to collection agency



Date

Dear Collection Manager,

Re: Account Number__________

This letter is a written request asking you to cease and desist in your efforts to collect on the debt account as stated above. It is my personal choice to deal with the original creditor and not the collection agencies.

Thus, I request you to cease collection efforts immediately or face legal actions under the state/federal laws. I hope you would consider giving this letter the attention it deserves.

Yours truly,


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Expired SOL Notification Letter



Date

Dear Collection Manager,


This letter is in response to your letter dated [__________] (copy enclosed) or phone call dated [__________] regarding the collection on the debt account given above.

I do not believe that I owe this debt and therefore I dispute this account. I am aware of my rights under the Fair Debt Collection Practices Act (FDCPA) and my state laws. Therefore, I'd like to inform you that I have checked with my State Attorney General and verified that the Statute of Limitations for this type of debt through the courts in [state in which contract was signed] has expired. If you intend to take this issue to court, I shall inform the court of my dispute of this debt and that the Statute of Limitations has expired.

This letter is to demand that neither you nor anyone affiliated to your company should contact me except to inform that collection efforts are terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.

Henceforth, I shall consider any contact a violation of The Fair Debt Collection Practices Act and will report it immediately to the State Attorney General or Federal Trade Commission. Please be advised that I tape record all phone calls and violations of the FDCPA can result in you or the company being fined up to $1000 per incident.

Yours truly,


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Letter to request creditor for alternative payment plan



Date

Dear Creditor,


This letter is a written request for a temporary change in the repayment terms of my debt account. I am currently going through financial crisis and may not be able to follow the current payment plan. Neither do I plan to file a bankruptcy nor do I intend to default on this debt.

I do have some income from [mention income sources]. However, when I examined my financial situation and planned a budget, it became necessary for me to request each of my creditors to accept a reduced/alternative payment plan for a number of months (specify the number, if possible).

I would appreciate your co-operation in making this payment plan effective shortly. I request you to accept a monthly payment of $____________ instead of the regular payments of $____________ made on the [date] of each month. I hereby assure you that I shall not add to my debt till my financial situation improves.

I shall begin making regular monthly payments as soon as I recover from this financial crisis. I hope you will understand my situation and co-operate with me. I shall surely notify you of any change in my financial situation.

Your co-operation during this difficult time is highly appreciated.

Yours sincerely,


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Letter to contact creditors for reduced payment plan



Date

Dear Creditor,


This letter is to make you aware of my current financial problem due to which I am unable to make payments on my debt account stated above. However, I have no plans to file bankruptcy, but I also do not intend to default on my account.

I do have some income coming in from sources like [name the sources here]. However, I have already communicated with some of my creditors requesting them to accept a reduced payment of $________ in place of my regular payments of $__________. I can assure you that I shall not add to any new debt until and unless my financial situation gets better.

I hereby notify that I shall update you about my financial situation at regular intervals and continue to make normal payments as soon as the situation gets better.

I appreciate your co-operation in advance.

Yours sincerely,


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Request letter to creditor for removal of inquiries



Date

Dear Creditor,


This is to bring to your kind notice that my credit report reflects an inquiry from your company which I do not approve. I believe that legally you are not entitled to inquire on any debt amount without my authorization. Therefore, I request you to delete this inquiry from my credit report with immediate effect as because this item is likely to affect my chances of getting new loans/credit.

I have used certified mail to send you this letter so that I'm ensured that you'll receive it and send me a quick response. Please forward me a written document stating that you have accepted my proposal to delete the unauthorized inquiry.

Yours sincerely,


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Letter to revoke wage assignment



Date

Dear Creditor,


This letter is to notify you that I hereby revoke your right to use the wage assignment I have signed on [date]. You will no longer have my permission to use this wage assignment.

Yours sincerely,


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Goodwill letter to remove negative listing


Creditor's NameDepartment Creditor's Address

Date


I am writing this letter in order to request your help and understanding. Back in [year when the negative item was listed], I lost my job and made a couple of late payments, even though I hated paying late. I do feel bad about it even now. However, I did get current on the account (listed above) as soon as my financial standing improved. I have in fact made timely payments since then. I've been working hard to make financially responsible decisions and get better control of my money.

I am now buying a home but having difficulty in receiving an affordable mortgage rate due to the negative listing on my credit report. Thereby, I would request you to kindly remove this negative item as a gesture of goodwill. Your kind gesture would be sincerely appreciated.

Yours truly,


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Request letter to remove inaccurate information

Your NameYour AddressYour SSN

Credit Bureau's Name Credit Bureau's Address

Date

Dear Sir/Madam,

This letter is to request you to remove inaccurate information from my credit report. Such inaccurate information has affected my chances of getting loans and credit. For your convenience, I am sending you the proof of the items in case you need to verify them prior to removing the inaccurate details.

I hereby request you to make the changes within 30 days so as to avoid any violation of the FCRA. Please send me a copy of the changed credit report at the earliest.

Yours sincerely,


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Letter to dispute account status



Date

Dear Sir/Madam,

Re: List of creditors and Account numbers of each

I am writing to dispute inaccurate account status on my credit report. The above referred accounts are listed as "bankruptcy" whereas they should have been shown in the credit report as "charge-off", "past due" and "delinquent" respectively. Such incorrect listing have lowered my credit score and prevented me from buying a home of my own.

I have attached a copy of my bankruptcy discharge order as proof. Please take a note of the dates and update the account status at the earliest.

Yours sincerely,


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Follow-up Letter after initial contact with credit bureaus



Date

Dear Sir/Madam,

This letter is a formal notice that you have failed to respond to my dispute letter dated __________. I have sent the initial letter via registered mail and enclosed a copy of the return receipt that you've signed on __________.

As per Federal Law, you are expected to respond within 30 days. However, it's been over 30 days you have received my dispute letter. You must be aware that failure to comply with this is an act of violation of the Fair Credit Reporting Act and thus, it may be investigated by the FTC.

I am also aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight as you already receive high volume of dispute letters on a daily basis. However, I'm sure you would like to handle this issue asap and help me out. I have attached a copy of my original request and proof of the inaccurate item placed on my credit report. Please verify the information and send me your response at the earliest.

Yours sincerely,


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Verification Request Letter to credit bureaus



Date

Dear Sir/Madam,

I have sent you a letter requesting you to remove inaccurate information from my credit report. But I find that the disputed item still remains. So, I am sending you this formal notice asking you to describe the procedure adopted to verify this claim. I would also like to know about the business names, addresses and phone numbers of those who have been contacted for the process. This is my right according to the Fair Credit Reporting Act.

It is really disappointing to find a credit bureau not following the procedures and not maintaining the accuracy norms. I would request you to comply with the laws and furnish me the information I've asked for within a period of 15 days.

Through this letter, I am resubmitting my request to make the reinvestigation and verification processes faster.

(State the reasons for disputing this negative mark).

Yours sincerely,


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Notice of intent to file a lawsuit against credit bureau


Credit Bureau's Name Credit Bureau's AddressRe: Account No. ______________

Date

Dear Sir/Madam,

This is to remind you that I have already filed a case against you on __________. The pre-trial conference is to be held on __________ at ________ in courtroom number __________. The case number is __________. I am enclosing a copy of the lawsuit that I filed against you on __________.

(State your reason for filing the case)

I need a reply in writing and on time. I have already won similar lawsuits. If you make sure you'll contact me before __________ at ________ and you agree to the terms mentioned above, you shall not have to appear in court.

(If you have any item to be added or deleted from your credit report, please enlist it here).

Yours sincerely,


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Request Letter to remove a listing from your credit report



Date

Dear Sir/Madam,

My bank has informed me that there is negative information reported by [bank name] included in the file [Credit Bureau's name] maintains under my Social Security Number (SSN). Upon ordering a copy of the report, I find that there is an entry from this bank listing a [name listing] (such as "debit card revoked") in [month, year]. However, I do not recall having a listing [name listing] (such as debit card) from this bank in [year mentioned].

Please validate this information with [bank name] and provide me with copies of any documents related to this listing bearing my signature. In absence of such documents bearing my signature, I request for this information to be deleted from the file you maintain under my Social Security Number.

Yours sincerely,


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Request Letter to remove your name from mailing list

Your NameYour Address

Name of the concerned personAddress

Date

Dear Sir/Madam,

This letter is a formal request to remove my name from your mailing list. It is creating a lot of problems in my mailbox for which I am unable to work further.

As per state/federal laws, you are bound (upon request) to remove my name from the mailing list. You also cannot send me any mail without my prior approval.

Yours sincerely,


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Request letter for buying your credit report


Credit Bureau's NameCredit Bureau's Address

Date

Dear Sir/Madam,

This letter is to request that you provide me with a copy of my credit report as maintained in your database.

My personal details are given below:

My Full NameMy Birth DateMy Social Security NumberMy Current addressMy Former address

I have enclosed herewith a check worth $_________, a photocopy of my driving license as proof of my address and a photocopy of my Social Security Card.

Please send me a copy of the credit report at the earliest.

Yours sincerely,


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Request letter for credit report after credit denial



Date

Dear Sir/Madam,

I have been recently denied an application for [type of credit/loan] as I do not have a credit report to validate my credit profile. In accordance with the FCRA, I have the right to request a free copy of my credit report.

My personal details are given below:

My Full NameMy Birth DateMy Social Security NumberMy Current addressMy Former address

I am enclosing herewith a copy of the credit denial letter, a photocopy of my driving license as proof of my current address and a copy of my Social Security Card. Please send me a copy of my credit report at the earliest.

Yours sincerely,


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Letter to request credit file from credit bureaus



Date

Dear Sir/Madam,

This letter is a formal request to provide you with a copy of my credit file, which is updated in your database. The FCRA requires that upon request, a credit bureau should furnish an individual with a copy of his credit file after validating his identity. The documents for verification of my identity have been attached herewith.

Please send me a copy of my credit file at the earliest.

Yours sincerely,


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Copyright Alert

Our intellectual property is our asset and we have the sole rights to utilize it for the benefit of an individual or a social cause. We will be extremely strictin pursuing Copyright violations, third party infringement, scams, or any illegal walk over on our intellectual territory. Legal measures will be taken for one and all that go against this rule.

International Standard Book Number: 0-9774442-1-X

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