 TITLE: Shorter Credit Dispute Letter - Remove Inaccurate Information CONTENT: Short Credit Dispute Letter — Removal of Inaccurate Information\n---------------------------------------------------------------\n###### Written by: Kristy Welsh\nSend this short letter to the credit bureaus asking to remove inaccurate information from your credit reports.\n--------------------------------------------------------------------------------------------------------------\nIf after reviewing your credit reports you find information that is either incorrect or questionable, you can send a credit dispute letter to each of the credit bureaus. This letter is a shortened version of our original credit dispute letter. The credit bureaus are obligated by law to investigate your dispute and they must either verify, correct, or delete the item from your record within 30 or 45 days. \n**Note:** Always include a photocopy of your driver’s license, state-issued ID, or U.S. passport and a copy of your social security card, pay stub, W-2 or a recent utility bill. Only 2 forms of ID are required.\nPlease do not just copy this letter. You will need to tailor the wording of this letter to fit your individual situation. This sample letter is meant to give you ideas on how to structure your own credit disput letter.\nWe have more sample letters designed to help you to address a variety of credit repair situations. You can also visit our bookstore where you can purchase eBooks on credit repair, debt settlement, and 95 sample letters. All of our products are available for instant download. \n* * *\nDate\nName  \nAddress\nCredit Bureau  \nBureau Address\nTo Whom it May Concern,\nI've just reviewed my credit report and have noticed there are several inaccurate items on my report:\n**Chase VISA Acct: xxxxx-xxxxx-xxxx-xxx:**  \nThis account is listed as being 30 days late. I have never been late on this account.\n**Sears Acct: xxxxx-xxxxx-xxxx-xxx:**  \nThis account is listed as being 30 days late. I have never been late on this account.\n**Universal Acct: xxxxx-xxxxx-xxxx-xxx:**  \nThis account is listed as being 30 days late. I have never been late on this account.\nIn addition, there are a number of credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed:\n**Diner's Club Acct: xxxxx-xxxxx-xxxx-xxx:**  \n**GE Consumer Card Acct: xxxxx-xxxxx-xxxx-xxx:**  \n**Macy's Acct: xxxxx-xxxxx-xxxx-xxx:**\nI have enclosed a copy of my driver's license and utility bill as proof of identity.\nSincerely,\n_Your Signature_\n* * * END