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I asked ChatGPT to write me a credit repair letter to get my late payments deleted and this is what i received.
[Your Name]
[Your Address]
[City, State, ZIP Code]
[Date]
[Credit Bureau Name]
[Credit Bureau Address]
[City, State, ZIP Code]
Subject: Request for Deletion of Late Payment Entries from Credit Report
Dear Sir/Madam,
I am writing to request your assistance in rectifying inaccurate information on my credit report. After reviewing my credit history, I have noticed that there are late payment entries listed on my account, which I believe are inaccurately reported. I kindly request your support in investigating and potentially removing these entries from my credit report.
Account Information:
Creditor Name: [Creditor's Name]
Account Number: [Account Number]
Date of Late Payment: [Specific Date(s) of Late Payments]
Explanation:
I would like to bring to your attention that the late payment entries mentioned above are not a true reflection of my payment history with [Creditor's Name]. Due to unforeseen circumstances at that time, I encountered temporary financial hardship, which caused the late payments. However, since then, I have taken significant steps to improve my financial situation and have successfully maintained a positive payment record.
Supporting Documentation:
In support of my request, I have enclosed relevant documents, including bank statements, payment receipts, and any other supporting evidence that demonstrates my improved financial standing and consistent on-time payments. I kindly request you to consider these documents during your investigation.
Request for Deletion:
Based on the Fair Credit Reporting Act (FCRA), it is my understanding that credit bureaus are obligated to report accurate and verifiable information. If upon investigation, you find that the late payment entries on my account were reported in error or if you are unable to verify their accuracy, I kindly request that you delete these entries from my credit report.
Timely Response:
I kindly request that you complete your investigation within the statutory timeframe of 30 days, as prescribed by the FCRA. I would appreciate your prompt attention to this matter and a written confirmation of the actions taken to resolve this dispute.
Thank you for your time and assistance in resolving this matter. Your cooperation in investigating and potentially removing these late payment entries from my credit report is greatly appreciated. Please feel free to contact me if you require any further information or documentation.
Sincerely,
[Your Name]
Enclosures:
- Supporting documentation (e.g., bank statements, payment receipts)