Your Name

123 Your Street Address

Your City, ST 01234

(Current address for the last 5 years)

SSN XXX-XX-XXXX

DOB: 1/1/00

Credit Bureau

Credit Bureau Address

Some City, Any State 56789

Date:

To Whom it May Concern:

I’ve just reviewed my credit report and noticed there are several old items on my report.  Per the Fair Credit Reporting Act, all items older than 7 years must be removed.  The 7-year clock starts from the date of the first delinquency.

1.  Chase VISA Acct: XXXXX-XXXXX-XXXX-XXX:

This account was charged off in 1995, clearly more than 7 years ago.  In addition, the following collection accounts are associated with this account and also need to be removed under the FCRA.

a)     ACME Collections Account # XXXXXXXXXX

b)    ABC Collections Account #XXXXXXXX

2.  Sears Acct: XXXXX-XXXXX-XXXX-XXX:

This account was charged off in 1996, clearly more than 7 years ago.  In addition, the following collection accounts are associated with this account and also need to be removed under the FCRA.

I have enclosed a copy of my driver’s license as proof of identity.

Sincerely,

Your Signature

Your Name

enclosure

_____________________________________________________________________

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