![]() ![]() Proof (e.g., a police report) that the repossession was the result of identity theft.Copies of current bank statements with relevant account information.Correspondence with your lender confirming that an account has been corrected.The payment history for the loan associated with the repossession. ![]() Billing statements to show that you made timely payments on the loan associated with the repossession.Thank the credit bureau or your lender for their time and end your letter.Īlong with your letter, consider attaching the following documentation (whatever you have on hand-when in doubt, more is always better): Say whether you want the information changed (and, if so, how) or whether you want it removed entirely. You can use the letter below as your model, replacing the bracketed placeholders with your own information. Your repossession dispute letter doesn’t need to be particularly long- be polite but firm and stick to the facts. How to write a repossession dispute letter Mailing two sets of letters obviously takes longer, but other than that, there’s no downside. If you’re not sure which template to use, you can download and send out both of them. Use the second template to file a dispute with them. Your original lender: If you recognize the credit account (for instance, it’s an auto loan that you know you took out) but you believe that it didn’t actually end in a repossession, it’s more likely to be a reporting mistake on your lender’s part.To contact them, you should use the first template. The credit bureaus: If you don’t recognize the credit account associated with the repossession at all, it might be because the credit bureaus made a mistake (e.g., by confusing you with another consumer with a similar name).The template you should use depends on who you believe was responsible for the mistaken repo on your credit report. Build My Letter Now PDF Word Which template should I use? You can also use this template to file a direct dispute with your original creditor or lender if you believe the mistake originated with them. ![]()
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |