Here is a letter that I found......it has worked for several people.
Date
CRA
CRA address
To Whom It May Concern:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from "date of adjudication" or date of "order of relief".
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Therefore, pursuant to Section 1681(a)(5) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.
Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
Sincerely,
Signature
Name
Address
SSN
DOB
Have you tried disputing this at all? If not, you may either want to dispute first.....and then send this letter........OR you can just reword the first sentence (since it says you continue to confirm).
As far as the foreclosure........is it reporting correctly? If not, you should definitely dispute it depending on what is being reported.
__________________
~Trish~ |