Credit Repair Sample Letters

Credit Repair Sample Letters

The following is a good example of credit repair sample letters:

Sample 1:

Your Name
Your Address,
City, State, Zip Code

Complaint Department
Name of Company
City, State, Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received.

This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or request another specific change) to correct the information.

Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please investigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Your name

Enclosures: (List what you are enclosing.)

Sample 2:


To address


Re: Credit report request

To whomsoever it may concern

I request you to send me a copy of my credit report. Find enclosed the payment for the same.


Re: rectify incorrect credit information

To whomsoever it may concern

In the credit report that I received, I have observed some inaccurate information. In the attached copy of the credit report, this has been highlighted. I am providing the correct information below:

Keeping in view the provisions of the Fair Credit Reporting Act of 1996, I want all the incorrect information to be removed and all the inaccurate information to be corrected in my credit report. As stipulated in the above said Act, inform me when the changes are completed and resend the updated copy to me, at no extra cost.


Re: Payment settlement and Credit file update of account number ####

Dear xxxxxx, (Note: name of the officer from the credit card company who spoke to you)
As per the telephone conversation/ meeting with you on (date), I would like to confirm the following.

I agree to pay $#### as full and final settlement towards my account. Once this payment is received by you, you have agreed to change the negative information like
———————————— to ——————————-

Please confirm the above by sending a signed copy of this letter to me. I will send the payment once I receive this letter from you.

Signature of officer

Name of officer

Credit company name and address



Social security number


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