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to me. Sincerely yours, Your Signature Your Printed Name Encl. ue identity and residency. As per the Fair Credit Reporting Act, you have thirty days from the date you receive this letter to investigate, delete, update and return a corrected copy of my credit fileemployer. Accordingly, please correct my credit history and profile as detailed above. I have enclosed a clear copy of my current photo ID, along with a copy of a recent utility bill as proof of my tr__________. In my entire lifetime, I have never resided or been employed at this address. Employment. I have never been employed by ____________________________. This is my estranged husband's/wife's it's not mine. You have other information displayed on my credit report that is inaccurate. following needs to be deleted: The Other addresses. I have never lived at ____________________________, _____, as if it were indeed mine, to which it is not. CHASE ­ I have never applied for, used, or agreed to be responsible for any account with Chase. My credit report shows an account for this company, account, which I opened in 1992. I believe it is the account reported as #_____________________. I have not applied for, or used any other such accounts. You are reporting account #___________________ the inaccuracies currently being reported are very injurious to my over-all credit rating. I demand these accounts be deleted from my credit file immediately: AMEX ­ I have only one American Express redit profiles, or else they were obtained and opened using my name and other personal information without my knowledge and permission. Either way, I do not owe any money regarding these accounts, andened credit accounts without my knowledge, without my permission. Now, these accounts are being reported on my credit profiles. These accounts were only his/hers, and you mistakenly added them to my cis _________________. I have not been in contact with him/her for a long time. However, late in our relationship, I discovered that he/she had a very serious gambling problem. I learned that he/she opain the events, circumstances and facts regarding your dispute, for example, if you are disputing credit cards opened by your ex-spouse, (Johnson vs. MBNA, et al): {my estranged husband's/wife's name mation currently displayed on my credit file. You are reporting many accounts in my credit history that are not, and never have been mine. (Provide a ton of detail. Every last word you can use to expl Address City, State & Zip Name of CRA Address City, State & Zip RE: Your Name SSN DOB Current Address: Former Address: Dear Sir or Madam: I am sending you this letter to dispute the inaccurate infority, or tort (including negligence or otherwise) arising in any way out of the use of these materials. An attorney should be consulted for all serious legal matters. Initial Dispute Letter: Your Name not limited to, procurement of substitute goods or services; loss of use, data, or profits; or business interruption) however caused and on any theory of liability, whether in contract, strict liabilrs, or affiliates, or ii) the providers, authors or publishers of the forms, be responsible or liable for any direct, indirect, incidental, special, exemplary, or consequential damages (including, butf merchantability, suitability or completeness for any of the materials for your particular needs. The materials are used at your own risk. In no event will: i) FindLegalForms, Inc, its agents, partnerchase and use of these materials is subject to the "Disclaimers and Terms of Use" found at findlegalforms.com. These materials are provided "AS-IS." We do not give any express or implied warranties oumble and be willing to work toward an amicable settlement. Disclaimer No Attorney-Client relationship is created by use of these materials. FindLegalForms, Inc. does not provide legal advice. The pual right to demand the full amount. Begin by contacting the debt collector or collection attorney by using the following letter. You can customize the letter for your own situation. Be professional, ht due or collection account, be certain to honor the conditions of your repayment plan. If you fail to comply with the terms, the settlement will be null and void and the original creditor has the legte a settlement with the original creditor rather than a debt collector. However, this letter will work with a debt collector/attorney also. Remember, when entering into a settlement offer for any pasSample Letter to Settle Past Due Account Provided under agreement with copyright holder, © New Century Publications, Inc. 2007 Use this sample form letter to settle a past due account. Try to negotia