Sample Letter to Credit Bureau to Remove Closed Accounts

In this article, I’ll share a step-by-step guide on how to craft a compelling letter to the credit bureau to remove closed accounts, complete with a customizable template and tips from my personal experience.

Key Takeaways

  • Understanding Your Credit Report: Before drafting your letter, obtain and review your credit report to identify any inaccuracies or outdated closed accounts.
  • Writing the Letter: Structure your letter clearly, providing all necessary information and stating your request concisely.
  • Follow-Up: Keep track of your correspondence and be prepared to follow up if you don’t receive a timely response.
  • Personal Experience Tips: Utilize insights from someone who has gone through the process multiple times, improving the chances of success.

Step-by-Step Guide to Writing Your Letter

Step 1: Obtain Your Credit Report

Before you can dispute anything, you need to know what’s on your credit report. You’re entitled to a free credit report every year from each of the three major bureaus: Equifax, Experian, and TransUnion.

Step 2: Identify the Closed Accounts

Review your credit report carefully to identify the closed accounts you believe should not be on your report. Ensure these accounts are indeed inaccuracies or outdated.

Step 3: Gather Supporting Documentation

If you have any supporting documents that provide evidence that the account should be removed, gather these. This could include account closure confirmations or relevant correspondence with the creditor.

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Step 4: Write the Letter

Your letter should include:

  • Your personal information (name, address, Social Security number)
  • Identification of the account(s) you’re disputing
  • A clear statement requesting the removal of the account
  • Any supporting evidence you have
  • A polite request for them to investigate and remove the account

Step 5: Send the Letter

Mail the letter via certified mail with a return receipt requested. This way, you have proof that your letter was received.

Step 6: Await Response

Credit bureaus typically have 30 days to investigate and respond to your dispute. Keep an eye on your mailbox and email for their reply.

Tips from Personal Experience

  • Be Concise but Thorough: Ensure your letter is straightforward but includes all necessary details. Don’t overwhelm the reader with unnecessary information.
  • Keep Records: Maintain copies of all correspondence, including your letter and any responses.
  • Be Patient but Persistent: These processes can take time. If you don’t hear back within 30-45 days, consider a follow-up letter.
  • Professional Tone: Even if you’re frustrated, maintain a professional and courteous tone in your correspondence.

Real-Life Example

In one of my experiences, I noticed a closed account from a credit card I had paid off and closed years ago still listed on my report. 

After sending a detailed dispute letter, including proof of the account closure, the bureau investigated and removed the account within the 30-day window, improving my credit score.

Template for Your Letter to Credit Bureau to Remove Closed Accounts

[Your Name]
[Your Address]
[City, State, Zip Code]

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

Dear Sir/Madam,

I am writing to dispute the following information in my credit file. The items I dispute also are circled on the attached copy of the credit report I received.

This item [identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.] is [inaccurate or incomplete] because [describe what is inaccurate or incomplete and why]. 

I am requesting that the item be removed [or request another specific change] to correct the information.

Enclosed are copies of [use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents] supporting my position. 

Please reinvestigate this [these] matter[s] and [delete or correct] the disputed item[s] as soon as possible.


[Your Name]
Enclosures: [List what you are enclosing]

Conclusion and Comment Request

Crafting a detailed and well-structured letter to the credit bureau can significantly impact the accuracy of your credit report and, consequently, your credit score. 

By following the steps outlined above and utilizing the template and tips from personal experience, you can enhance your chances of having closed accounts removed from your report.

I’d love to hear about your experiences or any additional tips you might have regarding credit report disputes. Please share your thoughts and questions in the comments below!

Frequently Asked Questions (FAQs)

A professional and inviting office setting with a person sitting at a desk, writing a letter

Q: How Long Does It Take for the Credit Bureau to Respond to My Letter?

Answer: In my experience, credit bureaus usually respond within 30 days. This timeframe is mandated by the Fair Credit Reporting Act (FCRA)

However, it’s important to note that the process might sometimes take a bit longer, depending on the complexity of your request and the bureau’s workload.

Q: Should I Send My Letter to the Credit Bureau via Email or Postal Mail?

Answer: I recommend sending your letter via certified postal mail. This method provides proof of delivery, which is crucial if you need to document that the credit bureau received your correspondence. Email might be faster, but it doesn’t offer the same level of documentation for follow-up.

Q: What If the Credit Bureau Does Not Remove the Closed Accounts?

Answer: If the credit bureau does not remove the closed accounts despite your evidence, you can file a dispute. In my case, I escalated the issue by filing a formal dispute and providing additional documentation. 

You also have the right to add a statement of dispute to your credit report, explaining your side of the story.

Q: Can I Contact the Credit Bureau by Phone to Discuss My Letter?

Answer: While it’s possible to contact the credit bureaus by phone, I found it more effective to handle these matters in writing. Phone calls don’t provide a paper trail for your communications, which is essential for any follow-ups or disputes.

Q: How Do I Know If the Closed Accounts Have Been Removed?

Answer: After submitting my letter, I regularly checked my credit report to verify the changes. Credit bureaus are required to send you a free copy of your credit report if they make any changes based on your dispute. 

Keeping an eye on your credit report is the best way to confirm that the closed accounts have been removed.

Q: Is There a Fee for Requesting the Removal of Closed Accounts?

Answer: In my experience, there is no fee charged by the credit bureaus for the removal of inaccurately reported information, including closed accounts. 

The process is part of your rights under the FCRA to have accurate and fair information on your credit report.

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