Jack Attack Letter Critique

[User7890]

I did not use any fancy language and stayed close to the original jack attack method letter. If you see anything else I can add let me know. Please critique. Thx!

 

 

Certified Mail Receipt: xxxx xxxx xxxx xxxx xxxx

Dear Credit Bureau:

Verification Information

Name: USER 7890

SSN: XXX-XX-XXXX

DOB: XX/XX/XXXX

ADD: XXXXXXXXXX, XXXXXX, XXXX, XX

Rpt# XXXXX

 

I am disputing the following account on my credit report:

• COMENITY BANK/MAURICES – Acct# XXXX

For the following discrepancies:

• The Scheduled Payment Amount is reporting $10, which is false. Please remove this.
• The Charge Off Amount reports $272, which is false. Please correct or remove this.
• The Payment History continued to report CO status monthly beyond the settlement date of this account. The creditor is reporting 2/2009. Please correct or remove this.
• The Date of First Major Delinquency is incorrect. It is currently reporting 3/2008 even thou it was in CO status since 7/2007. Please correct or remove this.
• The Months Reviewed is incorrect. According to the creditor this account was settled 2/2009, no further review should have occurred. Please correct this.

Please provide, correct and/or delete the above mentioned discrepancies. I also request notification be sent to me as to whether the discrepancies have been deleted or resolved, as well as an updated copy of my credit report as proof of the resolutions.

Sincerely,

 

xxxxxxx

Enclosures for Verification:

Copies of my:

• Driver’s License
• Social Security Card
• Bank Statement (1^st page only)

Edited September 24, 2013 by User7890

[Analysis]

Good!

[Dreams and Nightmares]

simple & sweet!!!

[Erin42]

The DOFD section has "thou" instead of "though." Otherwise, the rest looks good.

[User7890]

Great I wasn't sure if it was a must that I cite laws and such. My knowledge is a bit weak to be trying to cite that stuff.

[rrob420]

I would remove a couple of the line item disputes, if you get the verified response you want something left about the tradeline left to dispute.

[sim]

Do you need to send them the 1st page of your bank statement?

[User7890]

I read where a CB'er had to provide proof of residence to move forward with a dispute. So I chose to send 1 page of my bank statement (didn't want them to have 10 pages of my finances) since all household bills are in DH name. Otherwise I prolly would have used a utility bill. I decided to give it all upfront to prevent any delays.

[nolanryan]

do these jack attack letters get sent out to the CRA with a rrr?

[User7890]

do these jack attack letters get sent out to the CRA with a rrr?

yep

[User7890]

I would remove a couple of the line item disputes, if you get the verified response you want something left about the tradeline left to dispute.

Thx - good thinking!