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Accurate and timely information cannot be free credit reports with score removed from your personal credit reports! Use the free sample letter below only if you believe the information you are disputing is inaccurate! Use the sample dispute letter below to write your own personal dispute letter. Remember, when disputing information on your credit reports it's important to use specific words such as erroneous, outdated, misleading, or unverifiable. Just stating why you failed to pay the debt will not compel credit reporting agencies to launch an investigation into your free credit reports with score dispute. Feel free to print this page, free credit reports with score or copy and paste the text into free credit reports with score a word processor. If neither option works for you, then use this to have Rich send you a free copy of this free credit reports with score letter in Microsoft Word format. FREE Request Form You are welcome to copy and free credit reports with score paste any of the free sample letters displayed throughout this site. If you'd like an electronic copy of any letter, simply submit the FREE Request Form above I'll send you a copy absolutely FREE! Free Sample Letter Correct Inaccurate information in your Personal Credit Profiles Your Full Name Current Address Current Phone Number Attention: insert credit reporting agency name See addresses below add CRA address here Dear credit reporting agency This letter is a formal free credit reports with score request to correct inaccurate information contained in my credit file. 1 credit report The item(s) listed below is/are completely (insert appropriate word(s) inaccurate, incorrect, incomplete, erroneous, misleading, outdated ).

I have enclosed a copy of the credit report your organization provided to me on insert free credit reports with score date of report here and circled in red the item(s) in question. Line Item: insert name of creditor, account number or line item number) Item Description: (this info is found on your credit report) Requested free credit reports with score Correction: (describe exactly what you want. If free credit reports with score you want an item deleted say so and explain why. If you want an item corrected or updated, provide the correct information such as names, dates, amounts and so free credit reports with score forth and any evidence to support your free credit reports with score claim). In accordance with the federal Fair Credit Reporting Act (FCRA), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete, update, correct the item. free credit online report

Furthermore, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor free credit reports with score or other subscriber that you provided a copy of my credit report too within the past six months. If your investigation shows the information to be accurate, I respectfully free credit reports with score request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in free credit reports with score question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act. I thank you for your consideration and cooperation. If you free credit reports with score have any questions concerning this matter I can be reached at (insert daytime phone number including area code). Signature Your Printed Name Credit Bureau Dispute Addresses Experian: National Consumer Assistance Center PO Box 2002 Allen, TX 75013 TransUnion: (Eastern United States) free credit reports with score TransUnion P.O. Box 2000 Chester, PA 19022 TransUnion: (Western United States) P.O. Box 34012 Fullerton, CA 92831 TransUnion: (Puerto Rico) TransUnion Puerto Rico Consumer Relations P.O. Box 13968 Santurce Station San Juan, PR00907-3968 Back to Credit Report Dispute Index Step-by-Step guide for handling unfair and illegal Debt Collection Tactics! credit free score Get Your Copy Today Child support issues? Waiting For My Missionary be...good...HAVE...FUN...write...often ©2006 free credit reports with score Create a Free Forum at Webs.com free credit reports with score Create a Free Forum at Webs.com Archive for July 2011 Most people are so free credit reports with score used to airbrushed advertisements that they dont free credit reports with score even give them a second thought. But Britain has decided to take a stand free credit reports with score against such ads - last week the countrys Advertising Standards Agency banned Maybelline and Lancome ads featuring Julia Roberts and Christy Turlington. The ASA found that the magazine ads (see pics at left) were misleading, and exaggerated the ability of the products they were promoting to cover lines, wrinkles and blemishes.