Sample Letter to Credit Bureau to Remove Closed Accounts

A closed account on your credit report can have a negative impact on your credit score and financial well-being. However, you have the right to dispute inaccurate or outdated information with the credit bureaus. 

Writing a letter to the credit bureau to request the removal of closed accounts is a proactive step towards improving your credit profile. This comprehensive guide will walk you through the process, providing you with a step-by-step approach to crafting an effective letter.

Step 1: Gather Necessary Information

Before drafting your letter, gather all the relevant information pertaining to the closed accounts. This includes account numbers, creditor names, dates of closure, and any supporting documentation such as account statements or correspondence.

Step 2: Identify the Credit Bureau

Determine the credit bureau(s) that are reporting the closed accounts. The three major credit bureaus in the United States are Equifax, Experian, and TransUnion. Check your credit report from each bureau to identify where the closed accounts are listed.

Step 3: Format Your Letter

Compose your letter using a professional business format. Include your full name, address, phone number, and email address at the top of the page. Below your information, add the date and the address of the credit bureau. You can usually find the address on their website or on your credit report.

Step 4: Begin with a Clear Introduction

Start your letter with a clear and concise introduction. State your purpose for writing, which is to request the removal of closed accounts that are inaccurately reported on your credit report. Include your full name and address to ensure proper identification.

Step 5: Provide Account Details

In the body of the letter, list the closed accounts one by one. Include the creditor’s name, account number, and the reason why you believe the account should be removed. It is important to highlight any errors or discrepancies in the reporting, such as incorrect dates or balances.

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Step 6: Present Supporting Evidence

To strengthen your case, attach any supporting documentation that validates your claim. This may include account statements, letters from the creditor confirming closure, or any other relevant paperwork. Make sure to keep copies for your records.

Step 7: State Your Request

Clearly state your request for the credit bureau to investigate and remove the closed accounts from your credit report. Be polite yet firm in your language, emphasizing your rights as a consumer under the Fair Credit Reporting Act (FCRA).

Step 8: Provide Contact Information

Include your preferred contact information, such as phone number and email address, for the credit bureau to reach you regarding the investigation. This will enable them to communicate with you directly and efficiently.

Step 9: Close the Letter Professionally

Conclude your letter by thanking the credit bureau for their attention to the matter. Sign the letter with your full name and consider attaching a copy of your driver’s license or another form of identification for verification purposes.

Step 10: Send the Letter and Retain Proof

Make copies of the letter and all supporting documents for your records. Send the original letter via certified mail with a return receipt requested. This will serve as proof that the credit bureau received your correspondence.

Sample Letter to Credit Bureau to Remove Closed Accounts

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

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

Subject: Request for Removal of Closed Accounts from Credit Report

Dear [Credit Bureau Name],

I am writing to formally request the removal of certain closed accounts that are inaccurately reported on my credit report. I believe these closed accounts are negatively impacting my credit score and financial well-being. I kindly request your assistance in investigating and rectifying this matter.

I have identified the closed accounts that require your attention. Please find the relevant details below:

Creditor Name: [Creditor Name]
Account Number: [Account Number]
Reason for Removal: [Reason for Removal (e.g., account closed and reported inaccurately)]

[Creditor Name: Creditor ABC]
[Account Number: XXXX-XXXX-XXXX-XXXX]
[Reason for Removal: Account closed on [Date]. The reported balance and status are incorrect.]

I have enclosed copies of supporting documentation, including account statements and correspondence, to substantiate my claim. These documents clearly demonstrate that the closed accounts have been inaccurately reported on my credit report. I kindly request that you review these documents during your investigation.

I am aware of my rights as a consumer under the Fair Credit Reporting Act (FCRA) and believe that it is within my rights to request the removal of inaccurate and outdated information from my credit report. I understand that it is the responsibility of credit bureaus to ensure the accuracy and fairness of the information they report.

I would appreciate your prompt attention to this matter and request that you conduct a thorough investigation into the closed accounts mentioned above. Upon completion of your investigation, I kindly ask that you remove the inaccurate closed accounts from my credit report.

Should you require any further information or clarification, please do not hesitate to contact me at [Phone Number] or via email at [Email Address]. I would be more than willing to cooperate and provide any additional documentation that may assist in the resolution of this matter.

I sincerely appreciate your time and consideration in this regard. Thank you for your assistance in rectifying the inaccurate reporting of closed accounts on my credit report. I look forward to a swift resolution of this matter.

Yours sincerely,

[Your Full Name]


  • Supporting documentation (e.g., account statements, correspondence)
  • Copy of identification (e.g., driver’s license)