A “Sample Letter To Removing Dismissed Bankruptcies Credit Report” is a tool. It helps you ask credit bureaus to remove a dismissed bankruptcy from your credit report. You might need this if a bankruptcy case was dismissed. It should not be on your credit report anymore.
We know writing letters can be hard. That’s why we’re here. We’ll give you templates and samples.
These samples will make it easy. You can write the letter you need. Let’s get started.
Sample Letter To Removing Dismissed Bankruptcies Credit Report
[Your Name]
[Your Address]
[Your City, State, Zip Code]
[Your Email Address]
[Your Phone Number]
[Date]
[Credit Reporting Agency Name]
[Credit Reporting Agency Address]
[Credit Reporting Agency City, State, Zip Code]
Subject: Request to Remove Dismissed Bankruptcy – Account Number [Your Account Number]
Dear [Credit Reporting Agency Name],
I am writing to request the removal of a dismissed bankruptcy filing from my credit report. The bankruptcy case was dismissed on [Date of Dismissal] by the [Court Name] located in [City, State]. The case number is [Bankruptcy Case Number].
This dismissed bankruptcy is incorrectly affecting my credit score. Because the case was dismissed, it should not be listed on my credit report.
I have attached a copy of the court order dismissing the bankruptcy case as proof.
Please investigate this matter and promptly remove this inaccurate information from my credit report.
Thank you for your time and attention to this matter. I look forward to your prompt response.
Sincerely,
[Your Signature]
[Your Typed Name]
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How to Write Letter To Removing Dismissed Bankruptcies Credit Report
1. Subject Line: Commence with Clarity
The subject line is your clarion call. It should be concise and direct. Avoid vague pronouncements; instead, be specific. For instance:
- Subject: Request for Removal of Dismissed Bankruptcy – Account [Account Number]
- Subject: Dispute – Dismissed Bankruptcy Filing – [Your Name] – [Credit Bureau]
2. Salutation: Address with Authority
Begin with a formal salutation. A dash of respect can be surprisingly efficacious. Options include:
- Dear [Credit Bureau Name] Dispute Department,
- To Whom It May Concern,
3. Introductory Paragraph: Establish Your Premise
The opening paragraph lays the groundwork. State your name, address, and the report you are disputing. Immediately declare that the bankruptcy was dismissed and that its presence on your report is therefore erroneous. An example:
I am writing to dispute information on my credit report. My name is [Your Name], and my address is [Your Address]. I am disputing the inclusion of a bankruptcy filing, specifically case number [Case Number], as this case was officially dismissed on [Date of Dismissal].
4. Body Paragraphs: Substantiate Your Claim
This is where you present your case with perspicacity. Provide details and documentary evidence. Explain why the dismissed bankruptcy should be expunged. Key elements include:
- Case Number and Court Details: State the bankruptcy case number, the court where it was filed, and the date of dismissal.
- Explanation: Concisely explain that the bankruptcy was dismissed, not discharged or completed. Highlight that a dismissed bankruptcy holds no legal weight and should not negatively impact your credit score.
- Supporting Documentation: Mention that you are including copies of the dismissal order from the bankruptcy court. Do not send originals.
- Request: Directly request the credit bureau to investigate and remove the outdated and inaccurate information from your credit report.
5. Emphasize Accuracy and Compliance
Invoke the Fair Credit Reporting Act (FCRA). This underscores the bureau’s obligation to maintain accurate records. Reiterate their legal duty to investigate and rectify inaccuracies. A sample sentence might read:
Under the Fair Credit Reporting Act (FCRA), the credit bureau has a legal obligation to ensure the accuracy of the information it reports. The inclusion of this dismissed bankruptcy filing is a violation of my rights under the FCRA.
6. Concluding Paragraph: Reiterate and Request
In the closing, reiterate your request for removal and express your expectation of a prompt resolution. Maintain a professional and courteous tone while remaining assertive. For example:
I respectfully request that you investigate this matter expeditiously and remove the dismissed bankruptcy filing from my credit report. I anticipate receiving written confirmation of this correction within 30 days.
7. Closing and Contact Information: End with Authority
End with a professional closing and provide your contact information. This allows the credit bureau to reach you if they require additional information.
- Sincerely,
- [Your Full Name]
- [Your Phone Number]
- [Your Email Address]
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Frequently Asked Questions: Removing Dismissed Bankruptcies from Credit Reports
Understanding the process of removing a dismissed bankruptcy from your credit report can be complex. This FAQ section addresses common inquiries to guide you through the necessary steps.
What is a dismissed bankruptcy, and why is it on my credit report?
A dismissed bankruptcy means the court did not grant you bankruptcy protection, and the case was closed. It appears on your credit report because it’s part of your financial history.
Why should I remove a dismissed bankruptcy from my credit report?
A dismissed bankruptcy can negatively impact your credit score, hindering your ability to obtain loans, credit cards, or even rent an apartment. Removing it can improve your creditworthiness.
When can I request the removal of a dismissed bankruptcy from my credit report?
You can request removal immediately after the bankruptcy case is officially dismissed. There is no waiting period.
What information should I include in my sample letter to the credit reporting agencies?
Your letter should include your full name, address, date of birth, Social Security number, the bankruptcy case number, the court where the case was filed, and a clear statement requesting the removal of the dismissed bankruptcy from your credit report. Attach a copy of the dismissal order.
What happens after I send the letter to the credit reporting agencies?
The credit reporting agencies have 30 days to investigate your claim. They will contact the court to verify the dismissal. If verified, they are required to remove the entry from your credit report.