Name
Address, City, State, Zip Code
To
The Complaint Department
Dear Sir/Madam,
It's my belief that my credit report is reflecting a few inaccuracies. I request you to kindly look into the same and expedite the process of corrections. I am enclosing herewith my credit report and have circled the items that I believe are erroneous.
I filed for Chapter 7 bankruptcy in '98 and in May 1998, the bankruptcy court entered a discharge order releasing me from debt. As I am given to understand, bankruptcy information can be reported in the credit report for a maximum period of 10 years. However, my credit report still reflects the Chapter 7 bankruptcy discharge.
In addition to Chapter 7 bankruptcy information, the credit report does not reflect account information pertaining to my secured credit card. At the time of applying for a secured credit card, I was assured that my account information would be reported to the credit bureaus on a regular basis. I was approved for a CCB Secured Credit Card in January 2008. Since then, I have been making regular payments in lieu of my credit card with the hope of rebuilding my credit scores. I was dismayed to note that the account information is not reflected in my credit report.
I am given to understand that all credit inquiries within a span of 40 days are treated as a single inquiry. Armed with this knowledge, I shopped around for car and home loans in the month of October. However, the supposed single inquiry seems to have been recorded as multiple inquiries.
I am currently in the process of availing a home mortgage. Unfortunately, errors in the credit report have made me an unlikely candidate for approval. I have enclosed the relevant court documents pertaining to Chapter 7 bankruptcy discharge and copies of my monthly credit card statements. I am also enclosing copies of the application forms that were filled out in the process of applying for car and home loans in October 2009.
It's my sincere belief that on re-investigating the disputed items, the truth of the matter will come to light. I would request you to consider my entreaty and revert at the earliest.
I filed for Chapter 7 bankruptcy in '98 and in May 1998, the bankruptcy court entered a discharge order releasing me from debt. As I am given to understand, bankruptcy information can be reported in the credit report for a maximum period of 10 years. However, my credit report still reflects the Chapter 7 bankruptcy discharge.
In addition to Chapter 7 bankruptcy information, the credit report does not reflect account information pertaining to my secured credit card. At the time of applying for a secured credit card, I was assured that my account information would be reported to the credit bureaus on a regular basis. I was approved for a CCB Secured Credit Card in January 2008. Since then, I have been making regular payments in lieu of my credit card with the hope of rebuilding my credit scores. I was dismayed to note that the account information is not reflected in my credit report.
I am given to understand that all credit inquiries within a span of 40 days are treated as a single inquiry. Armed with this knowledge, I shopped around for car and home loans in the month of October. However, the supposed single inquiry seems to have been recorded as multiple inquiries.
I am currently in the process of availing a home mortgage. Unfortunately, errors in the credit report have made me an unlikely candidate for approval. I have enclosed the relevant court documents pertaining to Chapter 7 bankruptcy discharge and copies of my monthly credit card statements. I am also enclosing copies of the application forms that were filled out in the process of applying for car and home loans in October 2009.
It's my sincere belief that on re-investigating the disputed items, the truth of the matter will come to light. I would request you to consider my entreaty and revert at the earliest.
Sincerely,
Signature
Name
Enclosures:
- A copy of the credit report with disputed items circled in red.
- Copies of the Bankruptcy Discharge Papers.
- Copies of the application forms filled out while shopping for car and home loans.
- Copies of monthly secured credit cards statements.
