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Sample Letters

Request to get inaccurate information removed from your credit report

If your credit report is showing inaccurate information and you need to get it removed, then you should request that the credit bureaus to delete the incorrect details from your credit report. Here is a sample of a letter that will help you understand how you should request that the credit bureaus remove inaccurate information from your credit report:



Dear ,

I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit.

Under the provisions of the Fair Credit Reporting Act (FCRA), I demand that the following items in my credit report be re-verified and removed:

  • Creditor's Name: [Creditor Name]
  • Account Number: [Creditor Account]
  • Comment: [Enter comments about the Creditor]

I have attached the proof that the above items are inaccurate for your convenience.

Under the FCRA, you must re-verify the items and get them removed within 30 business days of receipt of this letter, to avoid violation of the law. Please notify me of the changes and forward me the updated copy of my credit report to the address referenced 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.