A Credit Repair Letter becomes necessary when false information appears on one’s credit profile. The Sample Credit Repair Letter below addresses this situation.

Your Name
Street Address
City, State, Zip

The Credit Bureau
Address
Anytown, State 56789

Date

Dear Manager

This letter is a formal complaint that you are reporting inaccurate credit information.
I am distressed that you have included false information in my credit profile due to its damaging effects on my credit standing.

As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor's part.

Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a new car loan, which was highly embarrassing and has negatively impacted my lifestyle. With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP.

The following information therefore needs to be verified and deleted from the report as soon as possible:

CREDITOR AGENCY, acct. 123-34567-ABC

Please delete the above information as quickly as possible.

Sincerely,
Your signature
Your Name
SSN# 123-45-6789
Attachment included.