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lil_walnut

Can I get a critique of an Obsolete Letter

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EQTUEX

 

To Whom it May Concern

 

My name is lil_walnut and my SSN is 123-45-6789. I am sending this letter via certified mail <tracking no> so I can ensure that it is received in your offices.

 

Upon reviewing my credit report <number>, I found an obsolete account – please remove the following account <Creditor + acct no>.

 

If for some strange reason the account is verified, please send me the name of the person who provided the information and the method in which it was checked.

 

Thank you,

 

lil_walnut

 

 

(It's still not reporting the $0 balance, but I have a letter that states it is paid in full & the fall off date is listed as 3/2006)

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It falls off in a month. The CA that reports on it runs about two months behind. I disputed when I started and it was reported with the current amount which has since gone to $0.

 

I'm doing the obsolete to get it gone. I'm about to buy a house and this critter is on all three reports. It's my next to the last big thing hurting me.

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I'm curious. Can I add something along the lines that it's also a totally different amount than what I know it to be? Or would I have to do two letters?

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EQTUEX

 

To Whom it May Concern

 

My name is lil_walnut and my SSN is 123-45-6789. I am sending this letter via certified mail <tracking no> so I can ensure that it is received in your offices.

 

Upon reviewing my credit report <number>, I found an obsolete account – please remove the following account <Creditor + acct no>.

 

If for some strange reason the account is verified, please send me the name of the person who provided the information and the method in which it was checked.

 

Thank you,

 

lil_walnut

 

 

(It's still not reporting the $0 balance, but I have a letter that states it is paid in full & the fall off date is listed as 3/2006)

 

My falling off date is around a year from now, but I have read some reports of the account being deleted even at this point in time using an "obsolete letter". In my case, the account is both obsolete and inaccurate, so I was considering something like "This account is obsolete and inaccurate; I dispute it in its entirety. "

 

With this type of letter, for the second sentence is it better to use the approach

"Please delete this account."

 

or

 

"Please either delete this account or investigate this. If this/these account(s) is/are verified, please furnish me with the name and address of the verifying party,the method of verification, and the reported date of first delinquency from the original creditor."

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Dear Trans Union,

I've received my credit report from you guys and there are two accounts that are beyond the legal reporting time period.

 

- Asset Acceptance Corp, account # xxxxx

- DSRM National Bank, account # xxxxxx

 

Please delete these obsolete accounts at once.

 

Very truly yours,

 

I sent this letter verbatim and it netted deletions a day or 2 after it was signed for. I think less is more when you send this letter. I wouldnt put in the certified mail part - why bother? I do include my SSN, DOB, and name addy but below the VTY endings.

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