Directorio De Cartas Ejemplo

Para Las Agencias De Crdito,

Los Acreedores, Las Agencias
De Coleccin Y Otros

Instrucciones Para El Manual De Cartas

(Favor de leer antes de usar los ejemplos de cartas)

1. Las cartas tienen que ser redactadas en el ingles es el idioma oficial de las
agencias, los acreedores y las agencias de coleccin.
2. Haga una copia para guardar en sus archivos de las cartas originales.

3. Seleccionar en el ndice la carta que planea redactar de acuerdo a su situacin

especifica. Para copiar la pagina coloque el cursor en la parte superior de la
pagina y sombree todo el documento luego vaya a Edit y Baje Hasta Copy.

4. Abra un nuevo documento en Word, coloque el cursor en la parte superior y haga

paste.
5. Las Cartas pueden ser editadas de forma tal que se ajuste a su situacin.
6. Una vez redacte sus cartas borre todos los espacios en blanco, las lneas,
codificaciones (lo menos que queremos a este punto es que ellos piensen que
usted utiliza una compaa de reparacin de crdito)

7. imprima los documentos pero los sobres favor de poner las direcciones escritas a
mano.

8. Fe mucha Fe y usted vera desaparecer una a una las cuentas negativas de su

reporte de de crdito.

ndice
Cartas A Las Agencias De Crdito
Carta para solicitar su informe de Crdito --------------------------------------------------------------------------- RC1
Primera disputa con la agencia de crdito cuentas que no son mas (borrar todo de su crdito) -----AC1
Seguimiento de la primera disputa con la agencia de crdito si no contestaron (AC1) ----------------- AC2
Seguimiento de la segunda disputa con la agencia de crdito si no contestaron (AC2) ---------------- AC3
Segunda disputa si le contestaron pero solo le borraron alguna de las cuentas (AC1) ----------------- AC4
Para borrar tardanzas de su crdito ---------------------------------------------------------------------------------- AC5
Carta para disputar las indagaciones (Inquiries) en su crdito ------------------------------------------------ AC6
Carta para borrar indagaciones Inquiries Obsoletos ms de dos aos ------------------------------------ AC7
Carta para eliminar cuentas obsoletas (mas de 7 aos) --------------------------------------------------------- AC8
Carta para corregir errores en informacin personal ------------------------------------------------------------- AC9
Carta para que borren una cuenta luego que el acreedor acepta que fue un error ---------------------- AC10
Carta para aadir cuentas positivas que no se estn reflejando en su crdito ---------------------------- AC11
Carta para aadir crdito alterno a su informe ---------------------------------------------------------------------- AC12
Carta para aadir una explicacin en alguna cuenta que no le hayan borrado ---------------------------- AC13
Para eliminar informacin de bancarrota de su crdito ---------------------------------------------------------- AC14

Cartas A Los Acreedores, Agencias Y Otros

Carta para negociar una deuda con el acreedor ------------------------------------------------------------------- BP1
Carta para negociar nuevos trminos temporeros con el acreedor ------------------------------------------ BP2
Carta notificndole al acreedor que no puede hacer ms pagos por el momento ------------------------ BP3
Carta para negociar un reajuste en el prstamo con el acreedor---------------------------------------------- BP4
Carta para negociar el saldo de la cuenta con el acreedor ----------------------------------------------------- BP5
Carta para evitar presiones de los acreedores y los cobradores ----------------------------------------------- BP6
Carta para parar las llamadas de los acreedores y de los cobradores --------------------------------------- BP7

Cartas A
Las
Agencias
De Crdito

RC1
(Nombre de la agencia de crdito)___________
________________________________________
________________________________________
Date: ___________________
To Whom It May Concern:
Please send me a copy of my credit report.
Full name: ______________________________________
Date of birth: ____________________________________
Social Security number: ____________________________
Spouse's name: __________________________________
Telephone number: _______________________________
Current address: _________________________________
_______________________________________________
Previous address: ________________________________
_______________________________________________
[Check one:]
[ ] I was denied credit on ___________ by __________. Enclosed is a copy of the rejection
letter.
[ ] I hereby certify that I am unemployed and intend to apply for a job within the next 60 days.
[ ] I hereby certify that I receive public assistance/welfare.
[ ] I hereby certify that I believe there is erroneous information in my file due to fraud.
[ ] I am requesting my annual complimentary credit report. Enclosed is a copy of a document
identifying me by my name and address.
[ ] I have not been denied credit within the preceding 60 days. Enclosed is a copy of a document
identifying me by my name and address and payment in the amount of $_______________.
Thank you for your attention to this matter.
Sincerely,
_______________________________________________
[your signature]

AC1
(Nombre de la agencia de crdito)___________
________________________________________
________________________________________
Date: ___________________
To Whom It May Concern:
By this letter I formally request that the following inaccurate items be investigated immediately.
They must be removed from my credit history to show it accurate, I understand that you will check
each item with the credit grantor reporting the information, and remove any information the credit
grantor cannot verify. I further understand that under 15 U.S.C. Sec. 1681i (a), you must
complete your reinvestigation within 30 days of receipt of this letter. Thank you for your attention
to this matter.
Company Name

Account Number

Comments

1.
2.
3.
4.
Please send me a copy of my credit report as soon as your investigation is completed.
Full name: ______________________________________
Date of birth: ____________________________________
Social Security number: ____________________________
Spouse's name: __________________________________
Telephone number: _______________________________
Current address: _________________________________
_______________________________________________
Previous address: ________________________________
_______________________________________________
Thank you for your attention to this matter.
Sincerely,
_______________________________________________
[Your signature]

AC2
________________________________________
________________________________________
________________________________________
Date: ______________________
To Whom It May Concern:
On _____________, I sent you a request to investigate several items which were on my credit
report. I have enclosed a photocopy of my original request. The federal Fair Credit Reporting Act
requires that you complete your investigation of my request within 30 days. It has been more than
30 days.
I assume that I have not received a reply because you have been unable to verify the information.
Therefore, in accordance with s.1692e (8) of the Debt Collection Practices Act, which clearly
states that any information Known to be false, or should be known to be false cannot be
reported to any credit bureau, I request that you immediately delete this false and misleading
information from my credit report and send a corrected credit report to me and to anyone who has
requested a copy of my credit report within the previous six months, or within the previous two
years if requested for employment purposes.
Thank you for your immediate attention to this matter. I have sent a copy of this letter to the
Federal Trade Commission.
Sincerely,
_________________________________________
[your signature]
Name:

____________________

Address:

____________________
____________________

Home phone:

____________________

Social Security number: ______________

cc: Federal Trade Commission

AC3
________________________________________
________________________________________
________________________________________
Date: ______________________
To Whom It May Concern:
Last month I sent you a second letter letting you know I was still waiting for response of my
original dispute of incorrect items on my credit report. I have enclosed a photocopy of my original
request and the second letter I send you. This I my third and final letter I am sending you
regarding my initial disputes.
The Fair Credit Reporting Act requires that you complete your investigation of my request within
30 days. It has been more than 30 days they also require that your company have to ensure the
correctness of reported information. Until today you have to complied with you obligation. I
request that you immediately delete this false and misleading information from my credit report
and send a corrected credit report to me and to anyone who has requested a copy of my credit
report within the previous six months, or within the previous two years if requested for
employment purposes. If I do not receive an updated copy of my credit report or your response in
15 days, I will file a complaint with the Federal Trade Commission, the subcommittee on Banking
and Finance.
Thank you for your immediate attention to this matter. I have sent a copy of this letter to the
Federal Trade Commission.

Sincerely,
_________________________________________
[your signature]
Name:

____________________

Address:

____________________
____________________

Home phone:

____________________

Social Security number: ______________

cc: Federal Trade Commission

AC4
(Nombre de la agencia de crdito)___________
________________________________________
________________________________________
Date: ___________________
To Whom It May Concern:
Thank you, for updating some of the accounts which incorrectly appeared on my credit. However
I need to continue disputing the following remaining accounts. These accounts are still being
reported inaccurate and affecting my credit report.
According to the Fair Credit Reporting Act, Section 1681i, I need you to reinvestigate these items
and delete them from my credit report immediately.
Company Name

Account Number

Comments

1.
2.
3.
I will appreciate if you provide me with complete Names, Addresses and Phone numbers of the
individuals you contacted them immediately for follow up.
Please send me a copy of my credit report updated and this additional information as soon as
your investigation is completed.
Full name: ______________________________________
Date of birth: ____________________________________
Social Security number: ____________________________
Spouse's name: __________________________________
Telephone number: _______________________________
Current address: _________________________________
_______________________________________________
Previous address: ________________________________
_______________________________________________
Thank you for your attention to this matter.
Sincerely,
_______________________________________________
[your signature]

AC5
(Nombre de la agencia de crdito)___________
________________________________________
________________________________________
Date: ___________________
To Whom It May Concern:
Reviewing my credit report I found that the following accounts are reflecting late payments.
These accounts are in error because they were paid on time. Please investigate these accounts
and update my credit report to accurately reflect my true credit history. According to the Fair
Credit Reporting Act, you must complete your investigation within 30 days of receipt of this letter.
Thank you for your attention to this matter.
Company Name

Account Number

Comments

1.
2.
3.
4.
Please send me a copy of my credit report updated as soon as your investigation is completed.
Full name: ______________________________________
Date of birth: ____________________________________
Social Security number: ____________________________
Spouse's name: __________________________________
Telephone number: _______________________________
Current address: _________________________________
_______________________________________________
Previous address: ________________________________
_______________________________________________
Thank you for your attention to this matter.
Sincerely,
_______________________________________________
[your signature]

AC6
________________________________________
________________________________________
________________________________________
Date: ___________________
This is a request for you to reinvestigate the following items which appear on my credit report:
The following inquiries were not authorized. According to my credit report these subscribers have
run unauthorized credit reports on me I wish to contact them and find out why they do that.
Please send me at your earliest opportunity the Name, addresses and phone numbers of the
following subscribers.
Creditor's Name
Date of Inquiry
Explanation
_____________________________________________________________________________
_____________________________________________________________________________
_____________________________________________________________________________
_____________________________________________________________________________
_____________________________________________________________________________
Thank you for your attention to this matter.
Sincerely,
_________________________________________
[your signature]
Name:

____________________

Address:

____________________
____________________

Home phone:

____________________

Social Security number: ______________

AC7
________________________________________
________________________________________
________________________________________
Date: ___________________
This is a request for you to reinvestigate the following items which appear on my credit report:
The following inquiries are older than two years since and exceed the statutory time period under
the Section 1681c Of the Fair Credit Reporting Act. Therefore you have the obligation to delete
obsolete information from my credit report. Please verify this information and proceed to delete
these items from my credit report.
Creditor's Name
Date of Inquiry
Explanation
_____________________________________________________________________________
_____________________________________________________________________________
_____________________________________________________________________________
_____________________________________________________________________________
_____________________________________________________________________________
Thank you for your attention to this matter.
Sincerely,
_________________________________________
[your signature]
Name:

____________________

Address:

____________________
____________________

Home phone:

____________________

Social Security number: ______________

AC8
________________________________________
________________________________________
________________________________________
Date: ___________________
This is a request for you to reinvestigate the following items which appear on my credit report:
The following information is too old to be included in my report, since the entries are more than
seven years old and exceed the statutory time period under the Section 1681c Of the Fair Credit
Reporting Act. Therefore you have the obligation to delete obsolete information from my credit
report. Please verify this information and proceed to delete these items from my credit report.
Please send me an update credit report after these items have been remove.
Creditor's Name
Account Number
Date of Last Activity
_____________________________________________________________________________
_____________________________________________________________________________
_____________________________________________________________________________
_____________________________________________________________________________
_____________________________________________________________________________

Thank you for your prompt attention to this matter.

Sincerely,
_________________________________________
[your signature]
Name:

____________________

Address:

____________________
____________________

Home phone:

____________________

Social Security number: ______________

AC9
________________________________________
________________________________________
________________________________________
Date: ___________________
This is a request for you to reinvestigate the following items which appear on my credit report:
I notice some errors on the personal information section of my credit report. I need the following
information to be corrected. Please investigate this information and update my credit report to
accurately reflect my true credit history. According to the Fair Credit Reporting Act, you must
complete your investigation within 30 days of receipt of this letter. Thank you for your attention to
this matter.
Please send me an update credit report after these items have been remove.
Erroneous information
_____________________________________________________________________________
_____________________________________________________________________________
_____________________________________________________________________________
_____________________________________________________________________________
_____________________________________________________________________________
Correct information
_____________________________________________________________________________
_____________________________________________________________________________
_____________________________________________________________________________
_____________________________________________________________________________
_____________________________________________________________________________
Thank you for your prompt attention to this matter.
Sincerely,
_________________________________________
[your signature]
Name:

____________________

Address:

____________________
____________________

Home phone:

____________________

Social Security number: ______________

AC10
________________________________________
________________________________________
________________________________________
Attn: Customer Service
Date: ___________________________________
Name(s) on account: _______________________
Account number: __________________________
To Whom It May Concern:
On ______________, I received a copy of my credit report from you. It included erroneous
information reported by _______________________.
I dispute this account directly with the creditor and I received a letter from that creditor indicating
that the information in my credit report is not accurate and should not be in my credit file. I
enclosed you a copy of this letter for you to proceed to delete immediately this item from my
credit report and send a corrected credit report to me to and anyone who has requested a copy of
my credit report with the previous six months, or within the previous two years if requested for
employment purposes.
Sincerely,
_________________________________________
[your signature]
Name:

____________________

Address:

____________________
____________________

Home phone:

____________________

Social Security number: ______________

AC11
________________________________________
________________________________________
________________________________________
Date: __________________________________
Re: _____[name]_____
Current address: ___________________________
_________________________________________
Telephone number:_________________________
Date of birth: ______________________________
Social Security number: _____________________
Spouse's name: __________________________
To Whom It May Concern:
In the recent credit report you send me I realize you are missing relevant information to
demonstrate my true credit history. Please add the following account histories to my credit file. I
have enclosed photocopies of my most recent account statement and photocopies of canceled
checks showing my payment history.
Creditor's

Creditor's

Account

Date

Credit Limit or

Outstanding

Name

Billing Address

Number

Opened

Amount of Loan

Balance

_____________________________________________________________________________
_____________________________________________________________________________
If there is a fee of any kind, please let me know the amount so that I can send you a check. If you
are unable to add these accounts to my credit report, please send me an explanation.
Thank you for your prompt attention.
Sincerely,
_________________________________________________
[your signature]

AC12
________________________________________
________________________________________
________________________________________
Date: ___________________________________
Re: ____[name]___
Current address: __________________________
________________________________________
Telephone number: ________________________
Date of birth: _____________________________
Social Security number: _____________________
Spouse's name: ___________________________
To Whom It May Concern:
After reviewing the last credit report you send me y found that important information was missing.
Please add the following information to my credit file. I have enclosed photocopies of verifying
documentation.
_____________________________________________________________________________
_____________________________________________________________________________
If there is a fee of any kind, please let me know the amount to send you a check. If you are
unable to add this information to my credit report, please send me an explanation. Please send
me an updated credit report.
Thank you for your prompt attention.
Sincerely,
___________________________________________________
[your signature]

AC13
________________________________________
________________________________________
________________________________________
Date: ______________________
To Whom It May Concern:

Pursuant to 15 U.S.C. 1681i (b), I have the right to submit a consumer statement in my credit
report:
_____________________________________________________________________________
_____________________________________________________________________________
_____________________________________________________________________________
_____________________________________________________________________________
_____________________________________________________________________________
_____________________________________________________________________________
Thank you for your immediate attention to this matter. Please send me an updated credit report.

Sincerely,
_________________________________________
[your signature]
Name:

____________________

Address:

____________________
____________________

Home phone:

____________________

Social Security number: ______________

AC14
(Nombre de la agencia de crdito)___________
________________________________________
________________________________________
Date: ___________________
To Whom It May Concern:

Dear Credit Bureau:

This letter is a formal complaint that you are reporting inaccurate credit information on my
credit report. The above referenced accounts were included in my bankruptcy and are instead
showing as <chargeoffs> <pastdue> <late>. The incorrect listings are lowering my credit score
unnecessarily, and it is also preventing me from purchasing a home. I am enclosing a copy of my
bankruptcy discharge papers as proof of the date of my discharge.

Please correct your records to display the proper listings.

Full name: ______________________________________

Date of birth: ____________________________________
Social Security number: ____________________________
Spouse's name: __________________________________
Telephone number: _______________________________
Current address: _________________________________
_______________________________________________
Previous address: ________________________________
_______________________________________________
Thank you for your attention to this matter.
Sincerely,
_______________________________________________
[your signature]

Cartas A
Los
Acreedores,
Agencias
de

Coleccin Y
Otros
BP1
_______________________________
_______________________________
_______________________________
Attn: Customer Service
Date: ______________
Name(s) on account: ____________________
Account number: _______________________
To Whom It May Concern:
On the last credit report I receive from ____________________ my payments to you reflect as
delinquent.
I would like to find a solution since mi financial position change and I would like to pay off this
debt. I can pay a lump sum amount of $______ or I can pay installments in the amount of
$______ per month for _______ months if you will agree to either of the following:
[ ]

If I make a lump sum payment, you agree to remove the negative information from my
credit file associated with the debt.

[ ]

If I agree to pay off the debt in installments, you agree to re-age my account - that is,
make the current month the first repayment month and show no late payments as long as
I make the agreed-upon monthly payments.

If my offer is acceptable to you, please initial one of the above lines, sign the acceptance below,
and return this letter to me in the enclosed envelope.
Sincerely,
_________________________________________
[your signature]
Name:

____________________

Address:

____________________
____________________

Home phone:

____________________

Agreed to and accepted to on this _____ day of ______________.

By: _____________________________________
Name (print): _____________________________

BP2
_______________________________
_______________________________
_______________________________
Attn: Customer Service
Date: ______________
Name(s) on account: ____________________
Account number: _______________________
Date loan/account opened: _______________
Total amount due: ______________________
Monthly payment amount: ________________
To Whom It May Concern:
At this moment, its impossible for me to come up with the monthly amount required under the
agreement for the following reason(s):
_________________________________________________________________________
I can pay $______ per month right now and expect to resume making the full monthly payment
when the following occurs:
_________________________________________________________________________
Please accept the reduced payments until then. If necessary, add the unpaid amount to the end
of the loan or account period and extend it by a few months.
Thank you for your understanding and help. write within 20 days to let me know if this is
acceptable.
Sincerely,
_________________________________________
[your signature]
Name:

____________________

Address:

____________________
____________________

Home phone:

____________________

BP3

_______________________________
_______________________________
_______________________________
Attn: Customer Service
Date: ______________
Name(s) on account: ____________________
Account number: _______________________
Date loan/account opened: _______________
Total amount due: ______________________
Monthly payment amount: ________________
To Whom It May Concern:
At this moment, its impossible for me to come up with the monthly amount required under the
agreement for the following reason(s):
_________________________________________________________________________
_________________________________________________________________________
At this moment, I cannot make any payments. I will resume making the full monthly payment
when the following occurs:
_________________________________________________________________________
Please if necessary, add the unpaid amount to the end of the loan or account period and extend it
by a few months.
Thank you for your understanding and help. write within 20 days to let me know if this is
unacceptable.
Sincerely,
_________________________________________
[your signature]
Name:

____________________

Address:

____________________
____________________

Home phone:

____________________

BP4

_______________________________
_______________________________
_______________________________
Attn: Customer Service
Date: ______________
Name(s) on account: ____________________
Account number: _______________________
Date loan/account opened: _______________
Total amount due: ______________________
Monthly payment amount: ________________
To Whom It May Concern:
At this moment, its impossible for me to come up with the monthly amount required under the
agreement for the following reason(s):
_________________________________________________________________________
Please consider my petition of rewrite the terms of my loan in order to reduce the amount of the
monthly payments.
Thank you for your understanding, call me as soon as possible in order that we may discuss new
loan terms.
Sincerely,
_________________________________________
[your signature]
Name:

____________________

Address:

____________________
____________________

Home phone:

____________________

BP5

_______________________________
_______________________________
_______________________________
Attn: Customer Service
Date: ______________
Name(s) on account: ____________________
Account number: _______________________
To Whom It May Concern:
I enclosed a check for $___________ to cover the balance of the account. Cashing this check
constitutes payment in full.
Sincerely,
_________________________________________
[your signature]
Name:

____________________

Address:

____________________
____________________

Home phone:

____________________

BP6

__________________________________________________
__________________________________________________
__________________________________________________
Attn: Collections Department
Date: __________________
Name(s) on account: _________________________________
Account number: ____________________________________
To Whom It May Concern:
At this moment, its impossible for me to make payments on my account required for the following
reason(s):
_____________________________________________________________________________
My sources of income are very limited:
_____________________________________________________________________________
I am letting you know I know my rights under the law and If I file for bankruptcy, I will claim all my
property as exempt, and if you sue me and obtain a judgment, you could not collect any of my
property to satisfy the judgment.
If you are considering taking any legal action against me consider it again. I will provide you with
reasonable financial and medical information, I must avoid stress. This includes high-pressure
collection activity and lawsuits.
If my current situation improves and I am able to resume payments, I will notify you at once.
Thank you for your understanding and help.
Sincerely,
_________________________________________
[your signature]
Name:

____________________

Address:

____________________
____________________

Home phone:

____________________

BP7

____________________________________________
____________________________________________
____________________________________________
Date: ____________________
Name(s) on account: ___________________________
Account number: ______________________________
Creditor: _____________________________________
To: _______________________
During the past few Months I have received a lot of phone calls and letters from you concerning
my overdue account with your company.
Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice to you to cease all further
communications with me.
Sincerely,
_________________________________________
[your signature]
Name:

____________________

Address:

____________________
____________________

Home phone:

____________________