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Sample Letters

Letter to correct disputing account status with the creditor

Under the Fair Credit Reporting Act, credit bureaus must correct any incorrect information on your credit report within a period of 30 days of your notification to the bureaus. If you find an inaccurate listing on your credit report, you should notify the credit bureaus about it and get it corrected. Here is a sample letter to dispute the status of your account:



Dear ,

This letter is to dispute the incorrect account status on my credit report.

The above stated accounts are listed as [mention the status in the present credit report] on the credit report. However, they should be shown on my credit report as .

This incorrect listing has damaged my credit score and questioned my credit worthiness to the extent that I was wrongfully denied credit for a . It was extremely embarrassing and has adversely affected my reputation.

For your reference, I have attached copies of the required documents that corroborate my claim.

Please take a note of the dates and update my account status at the earliest convenience. Also forward a copy of my updated credit report to my address, stated above.


Your Signature_____________________

Your Name________________________

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  • The debt settlement program typically lasts between 6 months to 4 years time.
  • At least 30% of the debt amount per creditor needs to be accumulated in the trust account for OVLG to give the creditor any settlement offer.
  • Not all creditors or debt collectors will accept a reduction in the balance, interest rate, or fees a customer owes such creditor or debt collector.
  • Pending completion of the represented debt-relief services, the customer's creditors or debt collectors may pursue collection efforts, including initiation of lawsuits.
  • That the use of the debt-relief service will likely adversely affect the consumer's creditworthiness, may result in consumers being sued by their creditors, and may increase the amount owed to creditors as a result of the accrual of additional fees and interest.
  • Savings a customer realizes from use of a debt-relief service may be taxable income.