My Way Credit

Date

CreditorAddress

RE: Acct. #

Dear Creditor:

I am writing in an attempt to settle the account you are listing under my name and social security number.

I agree______________Company should have been paid for service rendered but I do not agree with this being on my credit report as a bad debt. I would like to put this account to rest as I hope you would. I did not use your services but am negligent in not making certain the person buying the residence had changed the billing from my name to his. I never received a statement or overdue notice. I no longer was living in the home do I had no reason to suspect a payment problem.

My concern is if I made payments to you in an attempt to stop negative reporting to the credit bureau, the balance in my credit file would show ZERO PAID COLLECTION, and then those negative ratings would continue for another seven years.
This would be wrong as it is not a true indicator of my willingness or ability to pay debts.

I believe I am caught in the computers and a credit reporting system that does not tell what truly happened.

I am requesting your help in deletion of this account from my credit reports when payment in full is received as this does not accurately portray what has happened. I have been informed by a reputable source that this can be done and is within the purview of the law.

I look forward to your prompt attention to this matter and an expedient favorable resolution.

Sincerely,

Signature
Name
Address

Date

Collection Address

RE: Acct. # ...

To whom it may concern:

When living in New Jersey, I received service through ______ Telephone Company. During that time, there were numerous billing errors. I kept being mixed up with another family. Though time consuming and aggravating for me, the phone company always found and corrected the errors.Before moving to New York, I stopped service and paid the final bell. I never thought I would continue to be plagued with ____ Telephone Company errors.

I am sure if you speak to a human being and not a computer at ______ Telephone Company, there will be a record of the problems we were having with wrong billings. I am also certain you will discover this is not my debt.

Though I was assured by the phone company at the time that my name was not the cause of the errors, I’m not so sure.I would truly appreciate your assistance.

Sincerely,

Your Name
Address

Date

ATTN: CUSTOMER RELATIONS DEPARTMENT

Credit Bureau Address

Dear TRW:

I have been around and around with your company regarding the errors which I have. And they continue to remain on my consumer credit report.I am again noting that problems have been discovered and they continue to remain unresolved.

I don’t know how to better state my problem nor do I know how to correct the errors.

The following accounts are not mine.

Account names and numbers

Since you have not given me names of persons with their business addresses that you contacted for re-verification of information, so that I could follow up as I requested, I assume that you have not been able to verify the information I have disputed.If this problem continues and I am forced to seek some form of professional assistance, you have been forewarned of the harm which this problem is causing me.

I shall assume that 30 days constitutes a “reasonable time” to complete these actions unless you immediately notify me otherwise.

Send me an updated copy of my credit report with these items deleted.

Thanks,

Signature
Your name
Address
SS#