Hi everyone!!
After reading here for awhile I decided it was time to start cleaning up my credit. So I sent letters to Experian and TransUnion disputing the biggest negative tradeline I had..Here is the letter verbatim
Experian
National Consumer Assistance Center
P.O. Box 2002
Allen, TX 75013
Re: Credit report error
Dear Sir or Madam
I have received a copy of my personal credit report and discovered it contains inaccurate information. The report is in my name, xxxxxx xxxxxxx, with my social security number which is ***-**-**** and is being maintained by Experian.
I have enclosed a copy of the report and highlighted the erroneous information in yellow. These 2 entries are wrong because it is not my account or debt. It is a listing for a school loan and I have never applied nor received a school loan
Please investigate this matter with Wells Fargo Bank and RJM ACQ LLC and correct and delete these disputed items from my credit report.
In addition, make this letter a permanent part of my credit record.
If you have any further questions you can contact me on my cell phone at xxx-xxx-xxxx.
Thank you for your prompt attention in this matter.
Sincerely,
xxxx xxxxxx
Encl: credit report
That was sent on January 3rd and today (Jan 17th) I received this response---
Dear xxxx,
The Loan Servicing Center recently responded to a consumer dispute you initiated through one of the national credit reporting agencies. We have reviewed your account information and verified what we sent to the agencies was accurate.
Based on the determination that the information we reported was accurate, we ask you to call us at (their number) within 15 days to confirm your agreement with our conclusion.
General account information, various forms, and other documents are available to you anytime from our automated telephone system. If you need assistance blah blah blah call us.
What is next? And thank you heartily in advance
