I am in the final stages of credit clean-up, as many of you already know. I just have a couple of holdouts that won't go away - they would verify a flat earth. Anyway, I saved all my records from the time of my deafult (Call me the ultimate packrat). I will be includinga copy of teh first bill showing a past due amount for each account. Please critique my letter. Thanks. "This letter is formal notification to you that on March 31, 2004 the MBNA Trade line (account number 5329-xxxx-xxxx-xxxx) in my credit file will become ancient and must be permanently suppressed pursuant to Fair Credit Reporting Act § 605(a)(5). Attached please find a copy of the April 18, 1997 statement to me from MBNA showing a single past-due payment. This statement establishes the date of first delinquency as occurring in April 1997. The final month permissible for reporting this is March 2004 (7 years later). I shall give you one additional month to ensure this item is purged from my credit file. This letter is also formal notification to you that on May 31, 2004 the MBNA Trade line (account number 5401-xxxx-xxxx-xxxx) in my credit file will become ancient and must be permanently suppressed pursuant to Fair Credit Reporting Act § 605(a)(5). Attached please find a copy of the June 26, 1997 statement to me from MBNA showing a single past-due payment. This statement establishes the date of first delinquency as occurring in May 1997. The final month permissible for reporting this is April 2004 (7 years later). I shall give you one additional month to ensure this item is purged from my credit file. You are also reminded that you must give credence to the documentation provided herewith under Fair Credit Reporting Act § 611(a)(4). You are also reminded that I am already engaged in litigation with concerning your prior failure and/or refusal to comply with Fair Credit Reporting Act and I will not hesitate to engage you in more litigation should you fail to comply with law. Please write back to me confirming receipt of this letter and that you will comply. /s/ Flyingifr"
I am sending this letter BEFORE it is obsolete. My "This is Obsolete, take it off" letter will be a Summons to Court to pay me $1000
Sounds like you are using a CRO!!! no, only kidding! This is an excellent example of why everyone should keep records forever. It is hard to argue when you have it in print!
Yup. The letter sounds good. I just wish I had kept my statements from ~March of 1998. If I had, I could prove Discover is full of crap. Oh well, I learned my lesson. I keep all of them now.
Here are 2 things that you don't ever want to throw away. 1*Anything that you think you might need. 2*-Anything that you think you don't need.
