Credit Repair Sixth edition phần 9 doc

Attn: Customer ServiceDate: Names on account: Account number: To Whom It May Concern: Regarding the above-referenced account, I dispute the amount you claim that I owe you for the follow

Attn: Customer Service

Date:

Name(s) on account:

Account number:

To Whom It May Concern:

Regarding the above-referenced account, I dispute the amount you claim that I owe you for the following

reason(s):

I believe that I owe you no more than $ It is obvious that there is a good faith

dispute over the amount of this bill

To satisfy this debt, I will send you a check for $ with a restrictive endorsement;

if you cash that check, it will constitute an accord and satisfaction In other words, you will receive from

me a check that states “cashing this check constitutes payment in full.” If you cash that check, it will take

care of what I owe you

Attn: Customer Service

Date:

Name(s) on account:

Account number:

To Whom It May Concern:

Between 15 days and 90 days have passed since I sent you a letter dated ,

20 stating my intention to send you a check with a restrictive endorsement

Enclosed is a check for $ to cover the balance of my account This check is tendered

in accordance with my earlier letter If you cash this check, you agree that my debt is satisfied in full

Enclosed: Check stating on front: “This check is tendered in accordance with my letter of

, 20 Cashing this check constitutes payment in full.”

Attn: Collections Department

Date:

Name(s) on account:

Account number:

To Whom It May Concern:

This letter is to advise you that I am not able to make payments on my account due to the following conditions:

I cannot work sufficient hours to meet my current expenses My only sources of income are:

I am familiar with the law and know that I am “judgment proof.” 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

Please cease all collection activities you have taken or are considering taking While I will provide you

with reasonable financial or 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

Attn: Collections Department

Date:

Name(s) on account:

Account number:

To Whom It May Concern:

Please cease all collection activities you have taken or are considering taking against me I am planning

to file a petition in bankruptcy court in the coming months

I have been contacted several times by you regarding my past due account with the credit grantor

referenced above I do not, however, wish to discuss this matter with you I would like to talk directly with

the creditor’s collections department

Please contact the collections department of the credit grantor and indicate my desire to be in touch with

I am disputing this bill for the following reason(s):

Please return this bill to the creditor immediately and remove any “sent to collection agency” notation that

may be in my credit file

Thank you for your attention to this matter

Since approximately , 20 , I have received several phone

calls and letters from you concerning my overdue account with the above-named creditor

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

Name(s) on account:

Account number:

Date loan/debt incurred:

Original loan/debt amount:

Amount past due:

Re: Collection agency:

To Whom It May Concern:

I have been unable to pay the full amount of the loan/debt noted above for the following reason(s):

Although I have an outstanding debt, I have the right to be treated by a collection agency with dignity and

respect The collection agency you hired (and noted above), however, has engaged in the following

practices which violate the federal Fair Debt Collection Practices Act:

I am willing to forego the legal remedies I have available, including a lawsuit in small claims court seeking

punitive damages against you and the agency, in exchange for your written promise to permanently cease

all efforts to collect this debt and remove all negative entries regarding this debt from my credit file I expect

to hear from you immediately

cc: Federal Trade Commission

State Collection Agency Licensing Board

To Whom It May Concern:

Please send me a copy of my credit report

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]

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

The following personal information about me is incorrect:

The following accounts are not mine:

The account status is incorrect for the following accounts:

The following information is too old to be included in my report:

The following inquiries are older than two years:

The following inquiries were not authorized:

The following accounts were closed by me and should say so:

Other incorrect information:

Explanation

I understand that you will check each item, above, 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

§1681i(a), you must complete your reinvestigation within 30 days of receipt of this letter Thank you for

your attention to this matter

To Whom It May Concern:

On , 20 , I sent you a request to reinvestigate 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 reinvestigation 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

There-fore, please remove the incorrect items from my credit report at once and send me and anyone who has

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

re-quested for employment purposes a corrected credit report

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

Social Security number:

cc: Federal Trade Commission

To Whom It May Concern:

credit bureau Included in that report was the following incorrect information reported by you:

I requested that the credit bureau remove that information from my file The bureau has refused, however,

informing me that your company claims the information is accurate as reported

This is not true The following is the correct information:

I have enclosed copies of the following documentation supporting my claim that the information you

reported is incorrect:

This negative mark is damaging my credit Please contract Experian, Trans Union and Equifax immediately

and remove this information from my credit file I expect to receive confirmation from you within 20 days

that you have directed the credit bureaus to remove this information

Thank you for your immediate attention to this matter