SAMPLE LETTER: OBSOLETE INFORMATION ON CREDIT REPORT

Your name
Your address

Date

Name of Credit Bureau
Address of Credit Bureau
City, State, and Zip Code

RE:  Credit Report Confirmation Number
Your Social Security Number
Your Date of Birth

To Whom It May Concern:

I am writing to request that the following obsolete items be immediately removed from my credit report.  By law, you are required to complete the verification within a “reasonable time”, which the Federal Trade Commission defines as 30 (thirty) days.

Company Name      Account Number                            Comments

Since these entries are more than seven years old (ten years for bankruptcy or tax lien), they must be removed.  Please send me an updated credit report to the address listed above, as soon as your investigation is completed.

Sincerely,