A “Sample Letter To Remove Chapter 13 From Credit Profile” is a request. It asks credit bureaus to take off a Chapter 13 bankruptcy from your credit report. You might need this letter if the bankruptcy is wrongly listed or has been there for too long.
Ready to clean up your credit report? We’ve got you covered. This article provides samples of letters you can use.
We’ll share templates, examples, and samples. These will make writing your own “Remove Chapter 13” letter easy. Let’s get started!
Sample Letter To Remove Chapter 13 From Credit Profile
**Sample Letter To Remove Chapter 13 From Credit Profile**
[Your Name]
[Your Address]
[Your City, State, Zip Code]
[Your Email Address]
[Your Phone Number]
[Date]
[Credit Bureau Name]
[Credit Bureau Address]
[Credit Bureau City, State, Zip Code]
**Subject: Request for Removal of Chapter 13 Bankruptcy Information**
Dear Sir/Madam,
I am writing to request the removal of the Chapter 13 bankruptcy information from my credit report. The bankruptcy was discharged on [Date of Discharge].
The account in question is:
* **Account Name:** [Name of the creditor associated with the bankruptcy]
* **Account Number:** [Account Number]
* **Bankruptcy Filing Date:** [Date of Filing]
According to the Fair Credit Reporting Act (FCRA), a Chapter 13 bankruptcy can remain on a credit report for a maximum of seven years from the filing date. As the seven-year period has now passed/is nearing completion, I kindly request that you remove this information from my credit file.
I have attached a copy of my discharge order for your reference.
Please inform me in writing once the bankruptcy information has been removed.
Thank you for your time and attention to this matter.
Sincerely,
[Your Signature]
[Your Typed Name]
html
How to Write Letter To Remove Chapter 13 From Credit Profile
Subject Line: Clarity is Key
Your subject line should be pithy and to the point. Vague pronouncements get ignored. Be explicit.
- Example: Request for Early Exclusion of Chapter 13 Bankruptcy – Account [Your Account Number]
Salutation: Professionalism Prevails
Address the credit reporting agency with utmost respect. Avoid overly casual greetings.
- Acceptable: Dear [Credit Reporting Agency Name] Dispute Department,
- Unacceptable: Hey Equifax!
Introduction: Set the Stage
Immediately state your purpose. Concisely explain why you’re writing.
- Identify yourself (name, address).
- Clearly state you are requesting an early exclusion of your Chapter 13 bankruptcy from your credit report.
- Reference your account number with the credit bureau.
Body Paragraph 1: The Rationale
Articulate why the bankruptcy should be expunged. Highlight positive credit behavior post-discharge. Substantiate claims with facts.
- Emphasize the age of the bankruptcy filing.
- Detail your diligent repayment history post-bankruptcy discharge. Mention specific accounts and on-time payments.
- Showcase any significant positive financial changes (e.g., new job, increased income).
Body Paragraph 2: The Legal Angle
Invoke the Fair Credit Reporting Act (FCRA). Understand that credit bureaus are obligated to maintain accurate information.
- Reference Section 605(a) of the FCRA, which governs the permissible reporting period for bankruptcies.
- Assert that continued reporting of the bankruptcy is hindering your ability to obtain credit despite demonstrated responsibility.
- Indicate that your request aligns with the spirit of the FCRA, which promotes fair and accurate credit reporting.
Closing: A Polite Demand
Reiterate your request and thank them for their consideration. Leave no room for ambiguity.
- Reiterate your request for early exclusion of the Chapter 13 bankruptcy.
- Express gratitude for their time and attention to the matter.
- Provide your contact information (phone number, email address).
Signature: Final Touches
End with a professional closing and your signature. This lends credence to your entreaty.
- Use a formal closing: Sincerely, or Respectfully,
- Sign your name legibly.
- Type your name below your signature.
html
Frequently Asked Questions: Removing Chapter 13 Bankruptcy from Credit Profile
Navigating the complexities of credit reports after a Chapter 13 bankruptcy can be challenging. This FAQ section addresses common inquiries regarding the removal of Chapter 13 bankruptcy filings from your credit profile.
When does Chapter 13 bankruptcy typically get removed from my credit report?
A Chapter 13 bankruptcy filing should be automatically removed from your credit report seven years from the date of filing.
Can I request early removal of a Chapter 13 bankruptcy from my credit report?
Generally, credit reporting agencies will not remove a Chapter 13 bankruptcy before the seven-year period unless it was reported inaccurately.
What if the Chapter 13 bankruptcy is still on my credit report after seven years?
If the bankruptcy remains after seven years, you should dispute the inaccurate information with each of the three major credit bureaus (Equifax, Experian, and TransUnion).
How do I dispute inaccurate information on my credit report?
You can file a dispute online, by mail, or by phone with each credit bureau, providing documentation supporting your claim of inaccuracy. Be sure to include your identifying information and clearly state the reason for your dispute.
What documentation should I include when disputing a Chapter 13 bankruptcy listing?
Include a copy of your bankruptcy discharge order, proof of the filing date, and any correspondence with the bankruptcy court that supports your claim that the listing is outdated or inaccurate.