(Your Name & Address)

(Credit Bureau  Name & Address)

ATTENTION:  Customer Relations Department

Please send me a copy of my credit report.  I am including the following personal information.

My current address is as follows:

My former address is as follows:

My birth date is:

My Social Security Number is:

(If appropriate) I have been denied credit in the last 30 days by:

Sincerely,

(signature)

NAME

(Your Name & Address)

(Credit Bureau  Name & Address)

RE:  Request for investigation

This is a formal request to have the following items on my credit report investigated immediately.

Please make the following corrections in order to reflect my true credit file.  These items are inaccurate and therefore injurious to my credit rating.

(List erroneous information and give detailed corrected information.)

Examples:

• Incorrect date of birth
• Incorrect address
• Unauthorized inquiries
• Account information (account number, creditor, ID Code)

Please send me a copy of your report and an updated of my credit report when you have completed and investigation.  Thank you for your prompt attention in this matter.

Sincerely,

(signature)

NAME

(Your Name & Address)

(Credit Bureau  Name & Address)

RE: Section 611 of the Federal Fair Credit Reporting Act Notice of Accuracy Dispute

At this time, I dispute the completeness & accuracy of the following information as it appears in your file.

     Name of Creditor:

     Account Number

     Pertaining to: (Late payments, amount owed, etc)

     (Detailed description of the  reason for the dispute)

At this time I would like to reinvestigate the information and if found inaccurate or if no longer verifiable, please delete from my report promptly.  Thank you for your  attention in this matter.

Sincerely,

(signature)

NAME