Your Name

Your Address

Date:

Re: list of creditor agency and account numbers of each

Credit Bureau Name

Credit Bureau Address

Dear Sir/Madam,

This is a formal letter of complaint against the inaccurate credit information on my credit report. The above referred accounts were included in my bankruptcy instead of showing as ‘charge-offs’, 'past due’ or ‘late’. These incorrect listings have lowered my credit score considerably and it is also preventing me from buying a home.

With this letter is enclosed a copy of my bankruptcy discharge papers as proof. Please take a note of the dates.

Please correct your records at the earliest.

Sincerely,

Your Signature

Your Name

Enclosure: