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NORTH DALLAS HOMES
Credit Letter
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The Federal Trade Commission
Credit Score Fix
Even if you don’t have a poor
credit history, some financial advisors and consumer advocates suggest you
review your credit report periodically. Why?
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because the information it contains
affects whether you can get a loan or insurance — and how much you will
have to pay for it.
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to make sure the information is accurate,
complete, and up-to-date before you apply for a loan for a major
purchase like a house or car, buy insurance, or apply for a job.
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to help guard against identity theft.
That’s when someone uses your personal information — like your name,
your Social Security number, or your credit card number — to commit
fraud. Identity thieves may use your information to open a new credit
card account in your name. Then, when they don’t pay the bills, the
delinquent account is reported on your credit report. Inaccurate
information like that could affect your ability to get credit,
insurance, or even a job.
Sample Dispute Letter
Date
Your Name
Your Address
Your City, State, Zip Code
Complaint Department
Name of Credit Company (there are three)
Address
City, State, Zip Code
Dear Sir or Madam:
I am writing to dispute the
following information in my file. The items I dispute also are encircled
on the attached copy of the report I received.
This item (identify item(s)
disputed by name of source, such as creditors or tax court, and identify
type of item, such as credit account, judgment, etc.) is (inaccurate or
incomplete) because (describe what is inaccurate or incomplete and why). I
am requesting that the item be deleted (or request another specific
change) to correct the information.
Enclosed are copies of (use
this sentence if applicable and describe any enclosed documentation, such
as payment records, court documents) supporting my position. Please
investigate this (these) matter(s) and (delete or correct) the disputed
item(s) as soon as possible.
Sincerely,
Your name
Enclosures: (List what you
are enclosing)
The FTC works for the
consumer to prevent fraudulent, deceptive and unfair business practices in
the marketplace and to provide information to help consumers spot, stop,
and avoid them. To file a
complaint or to get
free information on consumer issues, visit
www.ftc.gov
or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY:
1-866-653-4261.
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We serve
Frisco,
Allen, McKinney, Prosper, Plano, Lewisville, The Colony, Sachse, Wylie, Murphy, Richardson,
Carrollton, Flower Mound, Coppell, along with many other areas
around DFW.
NORTH
DALLAS REAL ESTATE
AGENTS
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