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					Instruction Sheet

The credit reporting agencies need proof of your identity to confirm or remove items from your
credit report. Please do this as soon as possible. The acceptable ways of providing that
information are listed below. It is extremely important that the photocopies are legible. They will
send them back to you if they are not easy to read. You may copy both forms of information on
one sheet of paper.
How to provide your security number:
1. Photocopy of your Social Security Card
2. Photocopy of your pay stub showing your full social security number
3. Photocopy of your W-2
4. Photocopy of Health Insurance Card showing your full social security number
How to provide your current address:
1. Photocopy of your driver's license.



After photocopying your social security number and current address complete the
following two steps:
1. Separate the three dispute letters. Sign the letters and mail them to the credit agencies.
Experian                                Equifax                          Transunion
P.O Box 9701                            P.O. Box 740241                  P.O Box 2000
Allen,TX 75013                          Atlanta, GA. 30374               Chester, PA 19022
 It is vital to include your address verification and social security number photocopy in
each envelope. Double check to make sure you send the appropriate dispute letter to each of
the three reporting agencies (Transunion, Experian, and Equifax). Once the credit reporting
agencies receive these dispute letters, they have 30 days to respond or they have to delete the
item. (Note: The credit reporting agencies may send you a reply trying to verify certain
information. Do not worry about these letters. They are just trying to keep people from wasting
their time on dispute letters. They don’t make their money from servicing you. They make
money by reporting what your lenders are experiencing with your accounts.)
2. I’ll be in touch with you throughout the entire repair process. Once you receive all three
responses from the credit bureaus we will be ready to provide you with the loan you deserve.
Experian
P.O Box 9701
Allen,TX 75013

To whom it may concern:

I have thoroughly reviewed my credit report. I would like to inform you of some
inaccuracies it contains (see below). I am requesting, under the provisions of the Fair
Credit Reporting Act (FCRA), 15 USC section 1681i, that you investigate these accounts:
 Account                         Dispute Argument
 Lender #1                       This is not my account.Please remove.
 99999
 Visa                            This account was paid on time and never
 99999                           late.Please remove
 General                         This account was paid as part of my
 4444444                         bankruptcy.Please remove


 I understand that failure to investigate these accounts within a period of 30 days will result in
 “non Verification” which requires that the above accounts be immediately removed from my
 credit profile.

 I also understand that the Fair Credit Reporting Act - specifically 15 USC section 1681i(d)
 and 1681j requires that I receive both written notification of the appropriate corrections and
 an updated credit report at no charge to me.

 Thank you for your time and attention to this matter. I look forward to hearing from you soon.
 Sincerely,


Sam Sample

123 Main

Anywhere, Texas 88888
Social Security #: 000-00-0000
Equifax
P.O. Box 740241
Atlanta, GA. 30374

To whom it may concern:

I have thoroughly reviewed my credit report. I would like to inform you of some inaccuracies
it contains (see below). I am requesting, under the provisions of the Fair Credit Reporting
Act (FCRA), 15 USC section 1681i, that you investigate these accounts:

 Account                       Dispute Argument
 Lender #1                     This is not my account.Please remove.
 99999
 Visa                          This account was paid on time and never
 99999                         late.Please remove
 General                       This account was paid as part of my
 4444444                       bankruptcy.Please remove

 I understand that failure to investigate these accounts within a period of 30 days will result in
 “non Verification” which requires that the above accounts be immediately removed from my
 credit profile.

 I also understand that the Fair Credit Reporting Act - specifically 15 USC section 1681i(d)
 and 1681j requires that I receive both written notification of the appropriate corrections and
 an updated credit report at no charge to me.

 Thank you for your time and attention to this matter. I look forward to hearing from you soon.
 Sincerely,


Sam Sample

123 Main

Anywhere, Texas 88888
Social Security # : 000-00-0000
Transunion
P.O Box 2000
Chester, PA 19022

To whom it may concern:

I have thoroughly reviewed my credit report. I would like to inform you of some
inaccuracies it contains (see below). I am requesting, under the provisions of the Fair
Credit Reporting Act (FCRA), 15 USC section 1681i, that you investigate these accounts:

 Account                        Dispute Argument
 Lender #1                      This is not my account.Please remove.
 99999
 Visa                           This account was paid on time and never
 99999                          late.Please remove
 General                        This account was paid as part of my
 4444444                        bankruptcy.Please remove

 I understand that failure to investigate these accounts within a period of 30 days will result in
 “non Verification” which requires that the above accounts be immediately removed from my
 credit profile.

 I also understand that the Fair Credit Reporting Act - specifically 15 USC section 1681i(d)
 and 1681j requires that I receive both written notification of the appropriate corrections and
 an updated credit report at no charge to me.

 Thank you for your time and attention to this matter. I look forward to hearing from you soon.
 Sincerely,



Sam Sample

123 Main

Anywhere, Texas 88888
Social Security # : 000-00-0000

				
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