To: Creditor & Credit Reporting Companies
[Address]
Re: Erroneous credit reporting entry

Account number on credit report: #__________________



Dear Creditor/Agency:

During a review of my credit report, compiled and issued on [DATE] ________________, you have reported an adverse entry for my account.

Specifically, you reported I was more than [30, 60 or 90] days late with my payment on __________________________ [INDICATED LATE PAYMENT DATE FROM CREDIT REPORT]. This is an error. Please reexamine your credit records immediately and correct your reporting of my credit.

[IF YOU HAVE SUPPORTING DOCUMENT, INCLUDE COPIES:] I am enclosing a copy of a canceled check (or, money order, receipt, etc.) I had used for my payment as proof that I was not 30/60/90 days late.

Thank you for your time and prompt assistance. I anticipate your reply within 30 days, as required by law. If you need to contact me regarding this account, please call me at _______________________________.



Sincerely,