How to Write a Letter When Paying Off a Debt Owed

Whether you've been paying off a debt for a month or thirty years, that final payment can bring about relief. In this instance, you might choose to write a letter to a creditor for several reasons, including to request that you be removed from any listings, to validate that you've met all requirements, or to ask that the account be removed from your credit report. Regardless of the specific reason for writing, there are a few guidelines that can help ensure that your final requests are met.

Instructions

1

Insert the date that the letter is written at the top of each page of the letter. This will serve as proof of the time frame during which you made your request.

2

Include your account number or case number at the top of the letter, immediately following the greeting. This will help the reader better process the request since they will be able to access your records right away.

3

Write the letter in a formal, professional manner regardless of your request. Use the first paragraph to briefly identify why you are writing. Follow that up with information supporting your request. For example, you might include specific details on how you would like your case to be handled, such as legislation that applies to your case or instructions on contacting your bank or employer

4

Cite any laws or legal mandates properly in the body of the letter. Refer to them by their full name since abbreviations could cause confusion. If you are unsure about which legislation might be helpful in your situation, try contacting a legal aid in your area.

5

Close the letter with a concise statement regarding the action that you would like for the reader to take. Also, refer them to your most recent contact information.