A confidential credit rating report
Credit Rating
A method of measuring the creditworthiness of a debt issuer. The ratings provided by the main credit rating agencies, Moody's Investors Service, Standard Poor's and Fitch, evaluate issuers worldwide and are very closely followed. A top rating means there is almost no likelihood of the borrower failing to meet interest payments or full redemption of the issue. Also called debt rating.
Sample Credit Report Dispute Letter
Date
Your Name
Your Address, City, State, Zip Code
Complaint Department
Name of Company
Address
City, State, Zip Code
Dear Sir or Madam:
I recently obtained a copy of my credit report from your agency and found the following item to be in error:
Item 1: I dispute [ABC credit card] account number [555111]. This account has been paid in full.
I am requesting that the item be [removed, updated, or other suggested change] to correct the information.
Enclosed are copies of [use this statement if you have bank statements, cancelled checks, or other documentation] supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.
Sincerely,
Your name
