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Letter for Letter To Creditor Disputing Negative Credit Report

This letter contacts a creditor directly to inquire as to the reason for a negative report on your account.

1234, Main Street
Boston, MA 02123

04 April, 2005

<Recipient Address Goes Here>


Re: Account No. <account number>

I recently received a copy of my credit report from <name of credit reporting agency>. That report indicates that my account with you <is/was> <indicate status of account>.

According to my records, however, <description>. I would, therefore, appreciate it if you would notify <name of credit reporting agency> that this account is <current/paid in full> and that all payments <have been/were> made on time.

Thank you for your immediate attention to this request.


Jim Karter

encl: <List of enclosed items goes here>

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