DATE Credit Agency Address City, State Zip Code Dear Credit Agency Name, I request that the

following inaccurate items be immediately deleted. They must be removed in order to show my true credit history, as these items should not be on my report. By the provisions of 15USC section 168 I of the Fair Credit Reporting Act of 1997, I demand that these items be deleted from my record. File-(SS#) Item No. Company Name Account Number Comment

Under the Fair Credit Reporting Act, you have thirty (30) days from your receipt of this letter to reverify these entries. It should be understood that failure to reverify these items within 30 days constitutes reason to promptly drop the information my file according to section 168 1i (a). Also, pursuant to 15 USC section 168 1i (d) of the Fair Credit Reporting Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 USC section 168 (d) of the Fair Credit Reporting Act, there should be no charge for this notification. Also, please send me names and addresses of individuals you contacted so I may follow up. Sincerely, Your Name Address City, State Zip Code