Instant Credit Repair Letters The ULTIMATE Fill-In-The-Blanks Letter Templates You Can Copy & Steal To Write EFFECTIVE Credit Repair Letters For ANY Credit Situation … In Just 31/2 Minutes 2006 Bruce Liu
Copyright PrimeMax Marketing Group All Rights Reserved
Table of Contents Copyrights Notices............................................................3 Disclaimer.........................................................................4 A Letter From Publisher ...................................................5 Tips For Writing Effective Credit Repair Letters..............6 Sample Letters To Request Your Credit Reports.............10 Sample Dispute Letters With The Credit Bureaus. .........13 Sample Negotiation Letters With The Creditors.. ...........33 Sample Dispute Letters With The Collectors .................48
Copyright PrimeMax Marketing Group All Rights Reserved
Copyright Notice PrimeMax Marketing Group ALL RIGHTS RESERVED. No part of this publication may be reproduced or transmitted, or distributed in any form or by any means, electronic or mechanical, including photocopying and recording, or by any informational storage or retrieval system, without permission in writing from the publisher. Published by: PrimeMax Marketing Group 3416 Hidden Valley Drive Plano, TX 75074 www.InsiderGuideToCreditRepair.com
Copyright PrimeMax Marketing Group All Rights Reserved
Disclaimer While all attempts have been made to verify information provided in this publication, neither the author nor the publisher assumes any responsibility for errors, omissions or contradictory interpretation of the subject matter herein. This publication is not intended to be used as a source of legal advice. The purchaser or reader of this publication assumes responsibility for the use of these materials and information. The reader is strongly encouraged to seek professional counsel before taking any action. The information presented in this publication is intended as a general guide to assist you in improving your credit rating. As different consumers have different credit histories, results from employing the information in this publication may vary.
Copyright PrimeMax Marketing Group All Rights Reserved
A Letter From Publisher Plano, TX Saturday, January 28, 2006 8:23AM Dear Reader: Inside this e-book you will find a collection of important sample letters that can be used to handle a wide variety of credit situations might occur. Some of these letters may not be used in your particular situation. If you need help with how to write or what to write – it’s right here! After reading these letters, you should be able to write your own letter that effectively deals with your own credit situation. These letters were written in different styles. Use them as models for your own letters. Remember, always reword if you use one of these letters as a template, so that they do not sound like they are written by a lawyer or credit repair consultant. Otherwise, it is very likely that your request is denial. Many credit bureaus will show more resistance if a professional does it. I wish you the best of luck.
Bruce Liu P.S. One more thing. There’s nothing that brings me more happiness or satisfaction than hear from customers who have used this information to write their own credit repair letters that make the credit bureaus or the creditors take immediate notice.
Copyright PrimeMax Marketing Group All Rights Reserved
Tips For Writing Effective Credit Repair Letters 1.
Keep Simple And Clear
When you write a dispute letter, always write it in simple manner. Succinctly describe the problem you try to resolve. How the problem has affected your ability to get credit, employment, insurance. How the problem potentially cause you to suffer some specific financial loss, such as reject credit, mortgage, get higher interest, etc. Why you think the items you are disputing are wrong. Give number of specific reasons. Don’t provide details that will only confuse the situation. Only provide information that can help you resolve the problem. Never show anything you are unsure about what you want to do with the negative entries.
2.
Keep Short
You should dispute no more than 4-5 items at a time. Don’t write a letter that is more than a page long. Your letter is first read by a lower-level employee called the "checker". If your letter is too long, complex or vague, the checker may write you back telling you that your dispute is frivolous, or send you a letter asking for more information. Remember, credit bureaus are bombarded with more than 10,000 letters a day.
3.
Be Creative
Create and utilize techniques that help further the idea that the dispute letter is from a truly wronged and disadvantaged consumer. If there is a negative item that you want removed from your credit, such as a bankruptcy, charge off or collection account, you may want to write that this is NOT your account and you want it removed immediately. If the account is now paid off, but was seriously past due at one time, DO NOT write that it's not your account. Instead, write that it is your account but was NEVER past due and you need it updated. You should say that everything has always been current. Send disputes during busy times of the year. For Example: The first to middle of November can cause a delay in verification because of Thanksgiving. Christmas rush for the creditor and the bureau can catch them before they can thoroughly investigate within a reasonable time According to law, the credit bureau must response your request with 30 days, if they cannot get verification from the creditor, most likely they will straight up your credit record.
Copyright PrimeMax Marketing Group All Rights Reserved
4.
Be Polite
Your first one or two disputes should be friendly and polite. Just like any other consumer, you can become frustrated and threatening as time passes. You may threaten to hire an attorney, you may threaten to complain to the FTC and your state's attorney general, etc. But don’t rude. Don’t overdo it.
5.
Always Provide & Keep Documentations
Provide the documentations you believe that can verify your statements. If your payments were not credited to your account, then you’ll need copies of cashed checks or bank statements. But, never send originals. Provide full information that the credit bureau can contact you. Be sure to place your mailing address, home phone, and phone on every piece of correspondence. Always keep a copy of your completed investigation request form, dispute letter, and backup documentation. They provide you with the records of what you said and when you said it. Also, the date on letter will let you know when you should have heard back from the credit bureaus.
6.
Write Letter By Yourself
Always remember that if the dispute is sent in from anyone other than you, the credit bureau will suspect that you have paid someone to repair your credit. This raises all sorts of Red Flags. It is imperative that you let credit bureaus believe you are working alone and trying to fix a real legitimate mistake. To get the very best results, if possible, you may write all of your letters by hand because it looks like more personalized. The credit bureau tends to take it more serious than typewrite letter. Now, many credit-repair consultants now have all of their letters written by hand in the very same simple style.
7.
NEVER Give Credit Bureaus More Information Than They Need
Always include all information that credit bureau require, but NEVER give credit bureaus more information than they need! The bureaus have a right to request a copy of your social security card, but only give a copy of the front. They also may request a copy of something showing your address if it is different than what is showing on the report. Send them only billing statement that has your address. Do not send them a copy of your driver’s license or as they request. Remember the credit bureaus are information-gathering companies who sell your information, not only for credit, but also for promotional reasons. Copyright PrimeMax Marketing Group All Rights Reserved
8.
Always Be Persistent And Never Give Up
It is possible the credit bureaus reject your request, the very first thing you should do is be persistent and never give up. Be more insistent. Don’t be upset. It could be the common delay strategy that credit bureau often used. It could be you lack of enough documents to support your case. Try to find additional documentations that will help your case. Write your second or even third dispute letter. In your letter, again states what the problem is, why you believe the item you disputing is wrong and how the problem affect your ability to get credit, obtain mortgage, or get insurance, using stronger words. Stick to your story no matter. Don’t show any signs of weakness or hesitancy in your letter. If you give them such impression that the disputing item is POSTIVELY and 100% wrong, most like the credit bureau clear up your record rather than spending more time and money to investigate the individual issue. People who have successfully cleaned their credit report say that they have denied a bankruptcy or judgment and have received verification from the credit bureau that it was in public record. They denied a second time and some even a third time, and finally the credit bureau deleted the bankruptcy from the report. So do not get discouraged! Patience and persistence are important keys to incredible success in repairing a damaged credit report.
9.
Do Not Bombard The Credit Bureaus With Disputes
Sending one dispute right after another is wasteful and counterproductive. You may wind up alienating the credit bureau so that they hold up your progress. As you submit one dispute after another, it may become increasingly difficult to get the checker to initiate an investigation. The checker is only interested in investigating disputes that “truly” are erroneous and damaging. Again, because the credit bureaus are flooded with requests, they tend to give priority to those that seem most urgent. Also remember, that credit repair is a time-consuming operation requiring great patience. The rule of thumb is to wait 60 days between disputes of the same listing.
10.
Sign Your Letter And Send It By Return Receipt Certified Mail
Make sure to sign each letter before you send it on. An unsigned letter is an unofficial document that no one takes seriously, and often times is easily tossed in the garbage. Send the letter along with other support documentations through certified/return receipt mail. It will greatly increases your chance of a response.
Copyright PrimeMax Marketing Group All Rights Reserved
There are a few more important things you need to AVOID when you write your dispute letter: (1). (2). (3). (4). (5).
Explain why and how the negative credit came about. Claim that your file has been mixed-up with someone else’s. Confirm the account if any information about the item is wrong Use letterhead (It will raise Red Flags). Quote the FCRA or other legal matters in your letter.
Here is the bad dispute sample letter: “….. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below: Item #
Reason for Deletion
According to the provisions of the Fair Credit Reporting Act 611 (a) [15 USC 1681i(a)], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as “in dispute”. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation so that I may follow up. Please notify me that the above items have been deleted pursuant to 611 (a) (6) [15 USC 1681j (a) (6)]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [15 USC 1681j], there should be no charge for this report. ” ------My credit application was recently denied and according to the attached letter that I received less than sixty days ago from the company that denied me credit, your credit bureau issued the report that was used to determine my credit evaluation. Section 609 [15 USC 1681g] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 (b) [15 USC 1681j (b)], there should be no charge for this information. “
Copyright PrimeMax Marketing Group All Rights Reserved
Sample Letters To Request Your Credit Reports 1.
Requesting Your Free Credit Report Letter
Dear Customer Service of : I am writing to request my free credit report. Please send my credit report to address above. Thank your for cooperation. Sincerely Yours,
Copyright PrimeMax Marketing Group All Rights Reserved
2.
Buying Your Credit Report Letter
Dear Customer Service of : I would like to request a copy of my credit report for my review. Enclosed is my money order/check for the cost of my credit report plus sales tax, also please find a photocopy of my driving license, showing my current address, and a photocopy of my Social Security card. Please send my copy of credit report the address above. Thank your for cooperation. Sincerely Yours, Enclosure: < List of documents>
Copyright PrimeMax Marketing Group All Rights Reserved
3.
Requesting Your Free Credit Report If You Were Denied Credit
Use this letter if a credit report was used in a recent decision to deny your credit, insurance, or a job. Under current law the credit bureaus that issued the report is required to give you a free copy of your report if you request it within 60 days of being turned down. How do you know if a credit report was used? The institution that turned you down is required to tell you if your credit history was reviewed and also which credit bureau issued the report, although they are not required to provider you with a copy of the credit report. Dear Customer Service of : I was recently rejected for on The decision is based on a credit report from your service. I would like to get a copy of my credit report so I can look into this matter. Please send my free credit report to address above. You will also find enclosed rejected letter from . Thank your for cooperation. Sincerely Yours, Enclosure:
Copyright PrimeMax Marketing Group All Rights Reserved
Sample Dispute Letters With The Credit Bureaus 1.
Sample Dispute Letter To Remove Late Payment
Customer Service Dear Customer Service of : I recently reviewed a copy of my credit report from your company. I found the following errors are hurting my chances of getting a home for my family. This account is not a bad account. Your report says that I was last <60 days twice>. But actually I always pay that account on time. I have enclosed the following documentations to support my claims: I would like you to investigate this problem as quickly as possible, correct it, and provide me a corrected copy of my credit report. Please send my copy to: If you need to reach me by phone, call . Thank you for your prompt attention to this request. Sincerely yours, Enclosure:
Copyright PrimeMax Marketing Group All Rights Reserved
2.
Sample Dispute Letter To Remove Inaccurate Items (1)
Customer Service Dear Customer Service of : This letter is a formal request to correct inaccurate information contained in my credit file. The item(s) listed below is/are completely <(insert appropriate word(s) - inaccurate, incorrect, incomplete, erroneous, misleading, outdated>. I have enclosed a copy of a credit report your company provided to me on and circled the item in question. Line Item: Item Description: I request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately < insert appropriate word(s) - delete, update, correct> the item. Furthermore, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months. If your investigation shows the information to be accurate, I respectfully request that you provide me with proof of the accuracy of the item in question, specifically any contract, note or other instrument bearing my signature. Sincerely, Enclosures:
Copyright PrimeMax Marketing Group All Rights Reserved
3.
Sample Dispute Letter To Correct Inaccurate Item (2)
Customer Service Dear Customer Service of : I have obtained a recent copy of my credit report and discovered it contains inaccurate information. The credit report in my name <list full name here> and Social Security number <list your SSN number> maintained by your agency . You will find a copy of this credit report enclosed containing this inaccurate data highlighted in . The following information that I have highlighted/circled is wrong because the report states that: <list the inaccuracy>. This is not the case because <list reasons why the listing is wrong>. Please investigate this matter with <list name of the creditor> 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 questions about this request or the disputed credit information, you can call me at <list preferred contact number: work, home, cell>. Thank you for your prompt attention in this matter. Sincerely, Enclosures:
Copyright PrimeMax Marketing Group All Rights Reserved
4.
Sample Dispute Letter To Delete Multiple Items and Credit Inquiries
Customer Service Dear Customer Service of : Going over my credit report I have found it has many errors. I request your investigation of the following: 1. I spoke with again to verify my records. They confirmed that this as my account and that there were no late payments to this account. They will draft a letter if needed to correct this error. Please contact this creditor. 2. I did not have a in <1996>. Please remove this item. 3. I have tried to get to the bottom of this with the information your company supplied. How are you able to confirm when I cannot? (See enclosed copy). This is not mine. Please remove this. I did not authorize the following inquiries and demand they be remove from my file: 1. There are <4> different days in <July of 19**>. Why would this be? Please remove <3> of these entries. I only authorized one time. 2. . I only authorized . Please remove the entries. These listed accounts are not my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. Please send a copy of my corrected possible to my address listed below. Sincerely, Enclosures:
Copyright PrimeMax Marketing Group All Rights Reserved
5.
Sample Dispute Letter To Remove A Item Belongs To Your Ex-Spouse
Sometimes, you may find that, in case of divorce, your former spouse still has access to your credit cards, or has obtained credit through misrepresentation as still being your current spouse. Take action to have this negative entry removed immediately from your credit file. Customer Service Dear Customer Service of : I would like you to investigate the item listed below, which I have noted on my current credit report. This item does not pertain to my account. It belongs to my former spouse. Would you please remove it so my own credit history may be correctly and accurately reflected. : The following item belongs to my former spouse, to whom I am no longer married: Please note that my former spouse incurred the above negative entry after our legal divorce. Therefore, this entry must be deleted from my own credit file. Please return a summary of your investigation, indicating that this entry indeed has been incurred by my former spouse, and that you verified the accuracy of this entry. Should verification not be forthcoming within 30 days, I fully expect this entry to be permanently deleted from my credit report. Sincerely,
Enclosure:
Copyright PrimeMax Marketing Group All Rights Reserved
6.
Sample Dispute Letter To Remove Entry Because Of Fraudulent
If you find that someone has got hold of your Social Security Number and is assuming your identity in order to obtain credit, you should inform the credit bureau immediately. Customer Service Dear Customer Service of : By way of this letter, I would like to make you aware that a credit application was filed under fraudulent circumstances, through unauthorized use of my signature and financial information. Please be aware that I have not authorized the use of my signature or financial information for this credit. As can be made apparent, my own signature and the fraudulent signature are in no way similar. As well, I have never applied for this credit, with this lending institute. I expect to receive from you the necessary documents, which I agree to notarize and return with a copy of my driver’s license, that shall halt this fraudulent use of my identity. Furthermore, I expect any negative or derogatory listing that may have been entered into my credit file because of this fraudulent activity to be permanently stricken and deleted from all your records. Thank you for your assistance in this matter. Sincerely,
Enclosure:
Copyright PrimeMax Marketing Group All Rights Reserved
7.
Sample Dispute Letter To Delete Out-Dated Credit Entries
At times, you may find negative listings on your credit report that should have been removed a long time ago (over 7 to 10 years old), but were retained by the credit bureau. Customer Service Dear Customer Service of : After scrutinizing my credit report with great care, I have noticed the following out-dated entry: Issued by: I would hereby like to request that the above out-dated entry be struck and removed from my credit file. Please return an updated version of my credit report, specifically showing that this outdated entry has indeed been permanently deleted. Thank you. Sincerely yours,
Enclosure:
Copyright PrimeMax Marketing Group All Rights Reserved
8.
Second Notice Letter If Credit Bureau No Response
Customer Service
RE: Dispute Letter of Dear Customer Service of : This letter is formal notice that you have failed to respond to my dispute letter of . I sent this letter registered mail and have enclosed a copy of the return receipt which you signed on . As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since your receipt of my letter. I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. The following information therefore needs to be verified and deleted from the report as soon as possible: Please delete this erroneous item from my credit report as soon as possible. Sincerely, Enclosure:
Copyright PrimeMax Marketing Group All Rights Reserved
9.
Second Notice Letter If Credit Bureau No Response
Customer Service
Re: Failure To Respond To Deletion Correction Letter on Dear Customer Service of : On I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place these items in a “dispute status” during this investigation. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you investigate and update my report as requested immediately. If you have any questions or need additional information, please contact me at . Thank you. Sincerely, Enclosure:
Copyright PrimeMax Marketing Group All Rights Reserved
10.
Sample Dispute Letter To Remove Unauthorized Credit Inquiry
Customer Service Re: Unauthorized Inquiry Dear Customer Service of : I reviewed a copy of my credit report and ran an unauthorized credit inquiry on me on . I never authorized such action. Please contact and investigate such an occurrence. I am requesting an updated copy of my credit report, which should be sent to the address listed below. In addition, as part of our investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. If you have any questions or need additional information, please contact me at . Thank you. Sincerely,
Copyright PrimeMax Marketing Group All Rights Reserved
11.
Sample Letter When Credit Bureau's Request More Information
Customer Service Dear Customer Service of : On , I wrote to at this address and filed a dispute of information in my credit report. This dispute indicated that the information was in dispute and identified the data from the language used in the credit report. I also <list of the documents that credit bureau request>. And I’ve enclosed those documents again now. Please expedite my original request dated . It has now been 14 days and I am still burdened with inaccurate credit reporting. Sincerely yours, Enclosure:
Copyright PrimeMax Marketing Group All Rights Reserved
12.
Sample Letter To Dispute Items Still Remain On Your Credit Report
Customer Service Dear Customer Service of : I recently wrote you to have an item investigated on my credit report. You claim that you have verified that the item is correct as states on your report. I don’t how that could be true, since the item is wrong. You seem to have merely repeated the information. <list of your account number and name of the creditor is(are) wrong and explain why is wrong> Since you have not given me names of persons with their business addresses that you contacted for re-verification of the information, so that I could follow up as I requested, I assume that you have not been able to verify the information I have disputed. If this problem continues and I am forced to seek some form of professional assistance, you have been forewarned of the harm which this problem is causing me. I shall assume that 30 days constitutes a "reasonable time" to complete these actions unless you immediately notify me otherwise. Send me an updated copy of my credit report with these items deleted. Sincerely yours, Enclosure:
Copyright PrimeMax Marketing Group All Rights Reserved
13.
Sample Letter To Dispute Other Items If First Attempt is Successful
Customer Service Dear Customer Service of : Your credit reports are so confusing that I have identified another error on my credit report. The item I found in error is: Your report says that I was <30 days late once>, but that’s not my fault. The payment was late because I did not receive the bill on time. The bill was sent to my previous address even though I had already notified the credit card company before I moved. I look forward to a prompt remedy of this unpleasantness. Sincerely yours, Enclosure:
Copyright PrimeMax Marketing Group All Rights Reserved
14.
Sample Letter To Dispute Other Items If First Attempt is Successful
Customer Service Dear Customer Service of : I understand that an investigation concerning the entry below that appeared on my credit report was undertaken. However, I am still in disagreement with this entry, as it certainly is incorrect. Would you please re-investigate? Please refer to my previous letter, a copy of which is enclosed for your convenience. Furthermore, would you please send me the name and business address of each individual with whom you verified the information as per my previous letter. Please forward me an updated version of my credit report, after you have conducted your investigation. I am still in disagreement with the following entry: Should you not receive verification within 30 days, I expect the above entry to be permanently deleted from my credit report. Sincerely, Enclosure:
Copyright PrimeMax Marketing Group All Rights Reserved
15.
Simplified FTC Dispute Letter
Federal Trade Commission Bureau of Credit Practices Pennsylvania Ave. and 6th St. N.W. Washington, DC 20580 (202) 326-2000 Dear Consumer Complaints: won’t respond to my complaints about the errors in my credit report. Enclosed is a copy of the written dispute, and a copy of postal return receipt card. Please help me in any way possible. Sincerely yours, Enclosure:
Copyright PrimeMax Marketing Group All Rights Reserved
16.
FTC Formal Complaint Letter
Federal Trade Commission Bureau of Credit Practices Pennsylvania Ave. and 6th St. N.W. Washington, DC 20580 (202) 326-2000 Dear Consumer Complaints: I am writing this letter to register a complaint about (name of credit bureau), located at (address of credit bureau). A description of my problem with this credit bureau is following: <Succinctly describe the problem you have been trying to resolve and how the problem has affected your ability to get credit, employment, insurance, or other: Include a chronology of events that illustrates how long you have been working to resolve the problem, the various steps you have taken, and people you have spoken with. Detail the response of credit bureau representatives, and when possible include the names and titles of persons you have spoken with> While I understand that you do not take action on behalf of an individual consumer, I want you to be aware of the troubles I have been experiencing with . I hope that if you receive enough complaints, you will do what you can to make sure that this credit bureau cannot harm other consumers as it has harmed me. Sincerely yours, Enclosure:
Copyright PrimeMax Marketing Group All Rights Reserved
17.
Notification Of Lawsuit Letter Against Credit Bureau
Customer Service Dear Customer Service of : Enclosed is a copy of the lawsuit that I filed against you in (name of county you are living) court on . Currently the Pre-trail Conference is scheduled for in courtroom . The case number is . The reason the lawsuit was filed was due to a completely inadequate response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have copies of the certified letters and dates prepared to bring to court on . Also, under the Fair Credit Reporting Act, these disputed items should not appear on my credit report if they cannot be supported by any evidence. Under the Fair Credit Reporting Act, if they cannot verify the debt within 30 days, then it must be removed. Your letters to me claim to have ‘verified’ the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. Now I am suing for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
Copyright PrimeMax Marketing Group All Rights Reserved
You may contact me before at or at the address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been ‘verified’ then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against for violation of the Fair Credit Reporting Act and Defamation. I have already won a similar lawsuit against . Enclosed is a copy of that settlement. I will agree to a similar settlement with if you contact me before . If you accept the same terns as did, then I will dismiss my lawsuit against and you will not need to appear in . The items to be removed from my credit report are listed as follows: