Use this Sample Letter to Credit Bureaus from the Federal Trade Commission (FTC) as a template. 2. Stopping Debt Collector Harassment
A clear, factual explanation of why the information is wrong (e.g., "The account was closed by me, not the lender"). A request for the item to be removed or corrected. Credit Problem
This stops the harassment, but it does not erase the debt. 3. Requesting Financial Hardship Assistance How do I dispute an error on my credit report? Use this Sample Letter to Credit Bureaus from
Send the letter via with a "return receipt requested" to prove they received it. "The account was closed by me