3 Proven Letters To Remove Closed Accounts From The Credit Report

Here are three detailed templates for writing letters to remove closed accounts from your credit report:

Template 1: Request to Remove a Closed Account Based on Inaccuracy





[Your Name]
[Your Address]
[City, State, Zip Code]
[Email Address]
[Phone Number]
[Date]

Credit Bureau Name
[Credit Bureau Address]
[City, State, Zip Code]

Subject: Request for Deletion of Inaccurate Information


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Dear Sir/Madam,

I am writing to formally request the removal of the following inaccurate information from my credit report. According to my records and the information provided by my creditors, the account referenced below is reported incorrectly.

Account Information:
– Account Name: [Creditor Name]
– Account Number: [Last four digits of the account number]
– Reported Issue: [Specify the inaccuracy, e.g., “Account incorrectly marked as open”, “Incorrect account balance”, etc.]

I have already reached out to the creditor, and they have acknowledged the error (see attached correspondence). Therefore, I respectfully request the removal or correction of this entry from my credit report as soon as possible.

Please find attached all relevant documentation, including copies of my credit report highlighting the disputed item, correspondence with the creditor, and any other pertinent documents.

Thank you for your attention to this matter. I look forward to your prompt response resolving this issue. Please contact me if you require any further information or clarification.

Sincerely,

[Your Name]
[Enclosures: List of documents attached]

Template 2: Request to Remove a Paid and Closed Account

[Your Name]
[Your Address]
[City, State, Zip Code]
[Email Address]
[Phone Number]
[Date]

Credit Bureau Name
[Credit Bureau Address]
[City, State, Zip Code]

Subject: Request for Removal of Paid and Closed Account

Dear Sir/Madam,

I am requesting the deletion of a closed account from my credit report that has been fully paid and settled. This account has been closed, and maintaining it on my report does not reflect the current status of my financial standing.

Account Information:
– Account Name: [Creditor Name]
– Account Number: [Last four digits of the account number]

Attached are copies of statements from the creditor that confirm the account has been paid in full and closed. I am requesting that this account be removed to correct my credit records accordingly.

I would appreciate your prompt attention to this matter. Please let me know if you need further information or additional documents.

Thank you for your assistance.

Sincerely,

[Your Name]
[Enclosures: List of documents attached]

Template 3: Request to Remove a Closed Account Due to Identity Theft

[Your Name]
[Your Address]
[City, State, Zip Code]
[Email Address]
[Phone Number]
[Date]

Credit Bureau Name
[Credit Bureau Address]
[City, State, Zip Code]

Subject: Request for Deletion of Fraudulent Account

Dear Sir/Madam,

I am writing to request the immediate removal of an account that was opened fraudulently in my name due to identity theft. I have already filed a police report and notified the creditor of the fraudulent activity.

Account Information:
– Account Name: [Creditor Name]
– Account Number: [Last four digits of the account number]

Enclosed are copies of the police report, my identity theft affidavit, correspondence with the creditor, and a copy of my credit report highlighting the fraudulent account. I urge you to remove this account from my credit report to prevent further damage to my credit score.

Please update my credit file accordingly and confirm when this has been done. Should you need any additional information to expedite this request, feel free to contact me directly.

Thank you for your cooperation and understanding in this urgent matter.

Sincerely,

[Your Name]
[Enclosures: List of documents attached]

Each template can be tailored to your specific situation and needs, ensuring that you communicate effectively with credit bureaus to maintain your financial health.

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