Sample Letter Removing Damaging Information From Former Marriage:
Happyness, Ohio 33333
July 4, 2002
Credit Card Company
New York, N.Y
C E R T I F I E D R E T U R N R E C E I P T R E Q U E S T E D
Attn: (remember who you talked to)
Dear (person who you talked to)
As I explained during our phone conversation, the account that you have reported on my credit report belongs to my ex-husband. The information reported could possibly have been mistakenly entered.
I have never used this account nor have I signed any documentation agreeing to the use or guarantee of this account. The information is affecting my credit and under The Fair Credit Reporting Act , I would like this information deleted from my credit report.
Further, I would like to have any references to this account in my records that you have reported to all other agencies removed.
There is a possibility that I was an authorized user on this account, but with that being said, I have never signed any gauranty, contract nor even represented that I would be responsible and liable for any of the purported debt.
Without any proof or evidence showing my signature regarding this debt, you have two choices. (1) You can delete this from my credit (2) You can explain to 3rd party adjudication and give an explanation as to why you choose to violate the Fair Credit Reporting Act.
Thank you for your prompt attention.
Submitted by: Regis Sauger .