cartas para disputar su informe de crédito

Directorio De Cartas Ejemplo

Para Las Agencias De Crédito,

Los Acreedores, Las Agencias

De Colección Y Otros

Instrucciones Para El Manual De Cartas

(Favor de leer antes de usar los ejemplos de cartas)

1. Las cartas tienen que ser redactadas en el ingles es el idioma oficial de las

agencias, los acreedores y las agencias de colección.

2. Haga una copia para guardar en sus archivos de las cartas originales.

3. Seleccionar en el índice la carta que planea redactar de acuerdo a su situación

especifica. Para copiar la pagina coloque el cursor en la parte superior de la

pagina y sombree todo el documento luego vaya a Edit y Baje Hasta Copy.

4. Abra un nuevo documento en Word, coloque el cursor en la parte superior y haga

paste.

5. Las Cartas pueden ser editadas de forma tal que se ajuste a su situación.

6. Una vez redacte sus cartas borre todos los espacios en blanco, las líneas,

codificaciones (lo menos que queremos a este punto es que ellos piensen que

usted utiliza una compañía de reparación de crédito)

7. imprima los documentos pero los sobres favor de poner las direcciones escritas a

mano.

8. Fe mucha Fe y usted vera desaparecer una a una las cuentas negativas de su

reporte de de crédito.

Índice

Cartas A Las Agencias De Crédito

Carta para solicitar su informe de Crédito --------------------------------------------------------------------------- RC1

Primera disputa con la agencia de crédito cuentas que no son mías (borrar todo de su crédito) -----AC1

Seguimiento de la primera disputa con la agencia de crédito si no contestaron (AC1) ----------------- AC2

Seguimiento de la segunda disputa con la agencia de crédito si no contestaron (AC2) ---------------- AC3

Segunda disputa si le contestaron pero solo le borraron alguna de las cuentas (AC1) ----------------- AC4

Para borrar tardanzas de su crédito ---------------------------------------------------------------------------------- AC5

Carta para disputar las indagaciones (Inquiries) en su crédito ------------------------------------------------ AC6

Carta para borrar indagaciones “Inquiries” Obsoletos más de dos años ------------------------------------ AC7

Carta para eliminar cuentas obsoletas (mas de 7 años) --------------------------------------------------------- AC8

Carta para corregir errores en información personal ------------------------------------------------------------- AC9

Carta para que borren una cuenta luego que el acreedor acepta que fue un error ---------------------- AC10

Carta para añadir cuentas positivas que no se están reflejando en su crédito ---------------------------- AC11

Carta para añadir crédito alterno a su informe ---------------------------------------------------------------------- AC12

Carta para añadir una explicación en alguna cuenta que no le hayan borrado ---------------------------- AC13

Para eliminar información de bancarrota de su crédito ---------------------------------------------------------- AC14

Cartas A Los Acreedores, Agencias Y Otros

Carta para negociar una deuda con el acreedor ------------------------------------------------------------------- BP1

Carta para negociar nuevos términos temporeros con el acreedor ------------------------------------------ BP2

Carta notificándole al acreedor que no puede hacer más pagos por el momento ------------------------ BP3

Carta para negociar un reajuste en el préstamo con el acreedor---------------------------------------------- BP4

Carta para negociar el saldo de la cuenta con el acreedor ----------------------------------------------------- BP5

Carta para evitar presiones de los acreedores y los cobradores ----------------------------------------------- BP6

Carta para parar las llamadas de los acreedores y de los cobradores --------------------------------------- BP7

Cartas A

Las

Agencias

De Crédito

RC1

(Nombre de la agencia de crédito ) ___________________________________________________________________________________________

Date: ___________________

To Whom It May Concern:

Please send me a copy of my credit report.

Full name: ______________________________________

Date of birth: ____________________________________

Social Security number: ____________________________

Spouse's name: __________________________________

Telephone number: _______________________________

Current address: ________________________________________________________________________________

Previous address: _______________________________________________________________________________

[Check one:]

[ ] I was denied credit on ___________ by __________. Enclosed is a copy of the rejection letter.

[ ] I hereby certify that I am unemployed and intend to apply for a job within the next 60 days.

[ ] I hereby certify that I receive public assistance/welfare.

[ ] I hereby certify that I believe there is erroneous information in my file due to fraud.

[ ] I am requesting my annual complimentary credit report. Enclosed is a copy of a document identifying me by my name and address.

[ ] I have not been denied credit within the preceding 60 days. Enclosed is a copy of a document identifying me by my name and address and payment in the amount of $_______________.

Thank you for your attention to this matter.

Sincerely,

_______________________________________________[your signature]

AC1


Date: ___________________


By this letter I formally request that the following inaccurate items be investigated immediately.

They must be removed from my credit history to show it accurate, I understand that you will check

each item with the credit grantor reporting the information, and remove any information the credit

grantor cannot verify. I further understand that under 15 U.S.C. Sec. 1681i (a), you must

complete your reinvestigation within 30 days of receipt of this letter. Thank you for your attention

to this matter.

Company Name Account Number Comments

1.

2.

3.

4.

Please send me a copy of my credit report as soon as your investigation is completed.

Full name: ______________________________________

Date of birth: ____________________________________


Spouse's name: __________________________________


Current address: ________________________________________________________________________________


Thank you for your attention to this matter.Sincerely,

_______________________________________________[Your signature]

AC2

________________________________________________________________________________________________________________________

Date: ______________________


On _____________, I sent you a request to investigate several items which were on my credit

report. I have enclosed a photocopy of my original request. The federal Fair Credit Reporting Act

requires that you complete your investigation of my request within 30 days. It has been more than

30 days.

I assume that I have not received a reply because you have been unable to verify the information.

Therefore, in accordance with s.1692e (8) of the Debt Collection Practices Act, which clearly

states that any information “…Known to be false, or should be known to be false …” cannot be

reported to any credit bureau, I request that you immediately delete this false and misleading

information from my credit report and send a corrected credit report to me and to anyone who has

requested a copy of my credit report within the previous six months, or within the previous two

years if requested for employment purposes.

Thank you for your immediate attention to this matter. I have sent a copy of this letter to the

Federal Trade Commission.

Sincerely,

_________________________________________[your signature]

Name: ____________________

Address: ____________________

____________________

Home phone: ____________________

Social Security number: ______________

cc: Federal Trade Commission

AC3

________________________________________________________________________________________________________________________

Date: ______________________


Last month I sent you a second letter letting you know I was still waiting for response of my

original dispute of incorrect items on my credit report. I have enclosed a photocopy of my original

request and the second letter I send you. This I my third and final letter I am sending you

regarding my initial disputes.

The Fair Credit Reporting Act requires that you complete your investigation of my request within

30 days. It has been more than 30 days they also require that your company have to ensure the

correctness of reported information. Until today you have to complied with you obligation. I

request that you immediately delete this false and misleading information from my credit report

and send a corrected credit report to me and to anyone who has requested a copy of my credit

report within the previous six months, or within the previous two years if requested for

employment purposes. If I do not receive an updated copy of my credit report or your response in

15 days, I will file a complaint with the Federal Trade Commission, the subcommittee on Banking

and Finance.

Thank you for your immediate attention to this matter. I have sent a copy of this letter to the

Federal Trade Commission.

Sincerely,

_________________________________________[your signature]

Name: ____________________

Address: ____________________

____________________

Home phone: ____________________


cc: Federal Trade Commission

AC4


Date: ___________________


Thank you, for updating some of the accounts which incorrectly appeared on my credit. However

I need to continue disputing the following remaining accounts. These accounts are still being

reported inaccurate and affecting my credit report.

According to the Fair Credit Reporting Act, Section 1681i, I need you to reinvestigate these items

and delete them from my credit report immediately.


1.

2.

3.

I will appreciate if you provide me with complete Names, Addresses and Phone numbers of the individuals you contacted them immediately for follow up.

Please send me a copy of my credit report updated and this additional information as soon as your investigation is completed.

Full name: ______________________________________

Date of birth: ____________________________________


Spouse's name: __________________________________


Current address: ________________________________________________________________________________



Sincerely,

_______________________________________________[your signature]

AC5


Date: ___________________


Reviewing my credit report I found that the following accounts are reflecting late payments.

These accounts are in error because they were paid on time. Please investigate these accounts

and update my credit report to accurately reflect my true credit history. According to the Fair

Credit Reporting Act, you must complete your investigation within 30 days of receipt of this letter.



1.

2.

3.

4.

Please send me a copy of my credit report updated as soon as your investigation is completed.

Full name: ______________________________________

Date of birth: ____________________________________


Spouse's name: __________________________________


Current address: ________________________________________________________________________________



Sincerely,

_______________________________________________[your signature]

AC6________________________________________________________________________________________________________________________

Date: ___________________

This is a request for you to reinvestigate the following items which appear on my credit report:

The following inquiries were not authorized. According to my credit report these subscribers have run unauthorized credit reports on me I wish to contact them and find out why they do that. Please send me at your earliest opportunity the Name, addresses and phone numbers of the following subscribers.

Creditor's Name Date of Inquiry Explanation_________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________


Sincerely,

_________________________________________[your signature]

Name: ____________________

Address: ____________________

____________________

Home phone: ____________________


AC7

________________________________________________________________________________________________________________________

Date: ___________________


The following inquiries are older than two years since and exceed the statutory time period under the Section 1681c Of the Fair Credit Reporting Act. Therefore you have the obligation to delete obsolete information from my credit report. Please verify this information and proceed to delete these items from my credit report.

Creditor's Name Date of Inquiry Explanation_________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________


Sincerely,

_________________________________________[your signature]

Name: ____________________

Address: ____________________

____________________

Home phone: ____________________


AC8

________________________________________________________________________________________________________________________

Date: ___________________


The following information is too old to be included in my report, since the entries are more than seven years old and exceed the statutory time period under the Section 1681c Of the Fair Credit Reporting Act. Therefore you have the obligation to delete obsolete information from my credit report. Please verify this information and proceed to delete these items from my credit report.

Please send me an update credit report after these items have been remove.

Creditor's Name Account Number Date of Last Activity_________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Thank you for your prompt attention to this matter.

Sincerely,

_________________________________________[your signature]

Name: ____________________

Address: ____________________

____________________

Home phone: ____________________


AC9

________________________________________________________________________________________________________________________

Date: ___________________


I notice some errors on the personal information section of my credit report. I need the following information to be corrected. Please investigate this information and update my credit report to accurately reflect my true credit history. According to the Fair Credit Reporting Act, you must complete your investigation within 30 days of receipt of this letter. Thank you for your attention to this matter.Please send me an update credit report after these items have been remove.

Erroneous information

_____________________________________________________________________________

_____________________________________________________________________________

_____________________________________________________________________________

_____________________________________________________________________________

_____________________________________________________________________________

Correct information

_____________________________________________________________________________

_____________________________________________________________________________

_____________________________________________________________________________

_____________________________________________________________________________

_____________________________________________________________________________

Thank you for your prompt attention to this matter.

Sincerely,

_________________________________________[your signature]

Name: ____________________

Address: ____________________

____________________

Home phone: ____________________


AC10________________________________________________________________________________________________________________________

Attn: Customer Service

Date: ___________________________________

Name(s) on account: _______________________

Account number: __________________________


On ______________, I received a copy of my credit report from you. It included erroneous

information reported by _______________________.

I dispute this account directly with the creditor and I received a letter from that creditor indicating

that the information in my credit report is not accurate and should not be in my credit file. I

enclosed you a copy of this letter for you to proceed to delete immediately this item from my

credit report and send a corrected credit report to me to and anyone who has requested a copy of

my credit report with the previous six months, or within the previous two years if requested for

employment purposes.

Sincerely,

_________________________________________[your signature]

Name: ____________________

Address: ____________________

____________________

Home phone: ____________________


AC11________________________________________________________________________________________________________________________

Date: __________________________________

Re: _____[name]_____

Current address: ____________________________________________________________________

Telephone number:_________________________

Date of birth: ______________________________

Social Security number: _____________________

Spouse's name: __________________________


In the recent credit report you send me I realize you are missing relevant information to

demonstrate my true credit history. Please add the following account histories to my credit file. I

have enclosed photocopies of my most recent account statement and photocopies of canceled

checks showing my payment history.

Creditor's Creditor's Account Date Credit Limit or Outstanding

Name Billing Address Number Opened Amount of Loan Balance

_____________________________________________________________________________

_____________________________________________________________________________

If there is a fee of any kind, please let me know the amount so that I can send you a check. If you

are unable to add these accounts to my credit report, please send me an explanation.

Thank you for your prompt attention.

Sincerely,

_________________________________________________

[your signature]

AC12________________________________________________________________________________________________________________________

Date: ___________________________________

Re: ____[name]___

Current address: __________________________________________________________________

Telephone number: ________________________

Date of birth: _____________________________

Social Security number: _____________________

Spouse's name: ___________________________


After reviewing the last credit report you send me y found that important information was missing.

Please add the following information to my credit file. I have enclosed photocopies of verifying

documentation.

_____________________________________________________________________________

_____________________________________________________________________________

If there is a fee of any kind, please let me know the amount to send you a check. If you are

unable to add this information to my credit report, please send me an explanation. Please send

me an updated credit report.

Thank you for your prompt attention.

Sincerely,

___________________________________________________[your signature]

AC13

________________________________________________________________________________________________________________________

Date: ______________________


Pursuant to 15 U.S.C. 1681i (b), I have the right to submit a consumer statement in my credit

report:

_____________________________________________________________________________

_____________________________________________________________________________

_____________________________________________________________________________

_____________________________________________________________________________

_____________________________________________________________________________

_____________________________________________________________________________

Thank you for your immediate attention to this matter. Please send me an updated credit report.

Sincerely,

_________________________________________[your signature]

Name: ____________________

Address: ____________________

____________________

Home phone: ____________________


AC14


Date: ___________________


Dear Credit Bureau:

This letter is a formal complaint that you are reporting inaccurate credit information on my

credit report. The above referenced accounts were included in my bankruptcy and are instead

showing as <chargeoffs> <pastdue> <late>. The incorrect listings are lowering my credit score

unnecessarily, and it is also preventing me from purchasing a home. I am enclosing a copy of my

bankruptcy discharge papers as proof of the date of my discharge.

Please correct your records to display the proper listings.

Full name: ______________________________________

Date of birth: ____________________________________


Spouse's name: __________________________________


Current address: ________________________________________________________________________________



Sincerely,

_______________________________________________[your signature]

Cartas A

Los

Acreedores,

Agencias

de

Colección Y

Otros BP1

_____________________________________________________________________________________________


Date: ______________

Name(s) on account: ____________________

Account number: _______________________


On the last credit report I receive from ____________________ my payments to you reflect as

delinquent.

I would like to find a solution since mi financial position change and I would like to pay off this

debt. I can pay a lump sum amount of $______ or I can pay installments in the amount of

$______ per month for _______ months if you will agree to either of the following:

[ ] If I make a lump sum payment, you agree to remove the negative information from my

credit file associated with the debt.

[ ] If I agree to pay off the debt in installments, you agree to re-age my account - that is,

make the current month the first repayment month and show no late payments as long as

I make the agreed-upon monthly payments.

If my offer is acceptable to you, please initial one of the above lines, sign the acceptance below,

and return this letter to me in the enclosed envelope.

Sincerely,

_________________________________________[your signature]

Name: ____________________

Address: ____________________

____________________

Home phone: ____________________

Agreed to and accepted to on this _____ day of ______________.

By: _____________________________________

Name (print): _____________________________

BP2

_______________________________

______________________________________________________________


Date: ______________

Name(s) on account: ____________________

Account number: _______________________

Date loan/account opened: _______________

Total amount due: ______________________

Monthly payment amount: ________________


At this moment, it’s impossible for me to come up with the monthly amount required under the

agreement for the following reason(s):

_________________________________________________________________________

I can pay $______ per month right now and expect to resume making the full monthly payment

when the following occurs:

_________________________________________________________________________

Please accept the reduced payments until then. If necessary, add the unpaid amount to the end

of the loan or account period and extend it by a few months.

Thank you for your understanding and help. write within 20 days to let me know if this is

acceptable.

Sincerely,

_________________________________________[your signature]

Name: ____________________

Address: ____________________

____________________

Home phone: ____________________

BP3_____________________________________________________________________________________________


Date: ______________

Name(s) on account: ____________________

Account number: _______________________


Total amount due: ______________________





_________________________________________________________________________

_________________________________________________________________________

At this moment, I cannot make any payments. I will resume making the full monthly payment

when the following occurs:

_________________________________________________________________________

Please if necessary, add the unpaid amount to the end of the loan or account period and extend it

by a few months.

Thank you for your understanding and help. write within 20 days to let me know if this is

unacceptable.

Sincerely,

_________________________________________[your signature]

Name: ____________________

Address: ____________________

____________________

Home phone: ____________________

BP4_____________________________________________________________________________________________


Date: ______________

Name(s) on account: ____________________

Account number: _______________________


Total amount due: ______________________





_________________________________________________________________________

Please consider my petition of rewrite the terms of my loan in order to reduce the amount of the

monthly payments.

Thank you for your understanding, call me as soon as possible in order that we may discuss new

loan terms.

Sincerely,

_________________________________________[your signature]

Name: ____________________

Address: ____________________

____________________

Home phone: ____________________

BP5

_____________________________________________________________________________________________


Date: ______________

Name(s) on account: ____________________

Account number: _______________________


I enclosed a check for $___________ to cover the balance of the account. Cashing this check

constitutes payment in full.

Sincerely,

_________________________________________[your signature]

Name: ____________________

Address: ____________________

____________________

Home phone: ____________________

BP6______________________________________________________________________________________________________________________________________________________

Attn: Collections Department

Date: __________________

Name(s) on account: _________________________________

Account number: ____________________________________


At this moment, it’s impossible for me to make payments on my account required for the following

reason(s):

_____________________________________________________________________________

My sources of income are very limited:

_____________________________________________________________________________

I am letting you know I know my rights under the law and If I file for bankruptcy, I will claim all my

property as exempt, and if you sue me and obtain a judgment, you could not collect any of my

property to satisfy the judgment.

If you are considering taking any legal action against me consider it again. I will provide you with

reasonable financial and medical information, I must avoid stress. This includes high-pressure

collection activity and lawsuits.

If my current situation improves and I am able to resume payments, I will notify you at once.

Thank you for your understanding and help.

Sincerely,

_________________________________________[your signature]

Name: ____________________

Address: ____________________

____________________

Home phone: ____________________

BP7____________________________________________________________________________________________________________________________________

Date: ____________________

Name(s) on account: ___________________________

Account number: ______________________________

Creditor: _____________________________________

To: _______________________

During the past few Months I have received a lot of phone calls and letters from you concerning

my overdue account with your company.

Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice to you to cease all further

communications with me.

Sincerely,

_________________________________________[your signature]

Name: ____________________

Address: ____________________

____________________

Home phone: ____________________

cartas para disputar su informe de crédito

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