Letter of Removal

Hi Pamalea, just so I can better understand what you're talking about, are you referring to a letter to write credit bureaus asking that a debt be removed?

Actually I'm looking for a letter to send to my creditor with a settlement proposal that states they agree to remove this debt when the agreed upon settlement is paid. I saw on one site that talked about sending a letter of removal with a debt settlement letter, but have been unable to find one, so I know what it looks like. Thanks

I haven't had this work yet..Not sure if anyone here has got it to work...

I can only hope it works .. I'm trying to come up with a letter on my own right now... I'll let ya'll know if it works for me although it will be a while down the road... thanks for all your help on here I really appreciate it.

Have you disputed all the errors already? Those are the easiest to get removed and make a HUGE difference in your credit score.

I disputed through all three agencies and they all reported back to me verifed or balance updated ... they never sent me how it was verified though, so I'm not sure if they were all completely verified. From what I have read the CRA will assign a dispute a number/code and as long as the creditor says it is valid they accept that without any written proof. I have even read that they don't always call the creditor anymore they use some computer system to notify creditors of a dispute.

I just want to make sure all of my bases are covered, so I can get this junk cleared up some.

I did come up with a letter of removal that I am sending with my letters so we'll see how it goes this time ... last time I got two ok's so maybe this time I'll get some more ... Wish me luck .. they all go out on Monday again... although this time I have some validation letters going out instead of just all settlment proposals.

pamalea01

Hi. The following letter below, serves both as a validation letter, and as a removal letter. If they cannot send you a validation of debt confirmation letter, then you are requesting to have such negative information removed from your credit file. Usually only one copy of this letter needs to be sent out, then a follow up letter. After such time, you only have to send proof of reguest sent to the credit bureaus, and then they'll manually remove the infromation for you.

[quote]Date: Thursday, January 26, 2006

Re: Acct # xxxxxxxxx

To Whom It May Concern:

This letter is being sent to you in response to a letter sent to me on January 24, 2006. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation isrequested.

This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

• What the money you say I owe is for;
  
• Explain and show me how you calculated what you say I owe;
  
• Provide me with copies of any papers that show I agreed to pay what you
  say I owe;
  
• Provide a verification or copy of any judgment if applicable;
  
• Identify the original creditor;
  
• Prove the Statute of Limitations has not expired on this account
  
• Show me that you are licensed to collect in my state
  
• Provide me with your license numbers and Registered Agent

• Violation of the Fair Credit Reporting Act
  
• Violation of the Fair Debt Collection Practices Act
  
• Defamation of Character

Thanks Mike .. This is the form letter I sent to those agencies I sent validation letters too.

As far as I know, the collection agencies have no authority to remove things from your credit. So, if they say they will, they are probably lying to get payment. All they can do is report it as paid or settled.

I spoke to a representative at TransUnion this past week who told me that it was entirely up to the creditor whether it stays on the credit report or not. The CRA makes sure that it doesn't stay on there longer than it is legally suppose to.

It is not up to the creditor if the debt has been sold though, and the person who buys the account cannot remove the fact that it went to collections and was sold. A charge off by the original creditor will probably still show even though they sold the account, and I doubt you will get the OC to remove that.

I realize that the OC will probably not remove the charge off, but if the CA's remove their posting it will help my credit rating... any thing is worth a try and I'm trying to be optimistic about this whole thing.

I have had this work one time. If you still need it, I can post a copy of my form letter tomorrow when I get home!

~Mary

Mary,

That would be awesome.. Thanks so much

Quote:

Thanks again .. u have been so very helpful.

No problem, glad I could help! Let us know how it goes, ok? :)

~Mary