How to Write a Letter to a Creditor to Remove a Derogatory Credit

Improving your credit score and ensuring the accuracy of information on your personal credit report may involve disputing erroneous information. Creditors can make mistakes and include someone's derogatory information on your personal file. However, writing a letter to your creditor will prompt them to investigate the claim and remove erroneous information.

Instructions

1

Write a detailed letter to your creditor. Explain your reason for disputing the derogatory item in your letter. For example, if you don't recognize the debt and believe the creditor reported the debt in error, mention this in your letter.

2

Submit supporting evidence with your letter. If you've already paid a debt, submit your latest statement for the account or copies of checks that have cleared your bank account. Include your name, address and account number with your letter.

3

Retain a copy of the letter for your records. Do not send your only copy of the letter. Date the letter and keep a copy as proof that you disputed the derogatory information.

4

Use certified mail, to ensure your creditor receives the correspondence. This specific method guarantees delivery, and you will receive a return receipt in the mail.