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Bad-Credit-Advisor.com
Experian Derogatory Account Dispute Letter Example
Joe Chmoe
666 Short Rd
Lexington, IL 60000
Experian
P.O. Box 2002
Allen, TX 75013
12/14/2004
Dear Experian,
This letter is another humble request to remove the following derogatory
account from my credit report:
FALLS COLLECTION SV, acct. 1207070032
ORIGINAL CREDITOR: WE ENERGIES INVOICE PROCESSING
I will try to explain what happened. This is the rental property out of
state and whenever I have a tenant, he or she is responsible for paying
all the utilities. In this unfortunate case the tenant moved out and
stopped paying well before the lease expiration without notifying me and
all the utility bills were switched on my name. I didn’t realize that
and addressed in a timely fashion.
Whatever the bills WE ENERGIES sent were coming on this property address
and I didn’t learn about them until it was too late.
Please understand that I am a contractor and I buy houses and land to
remodel and build for a living. Having a not so good credit is very
harmful and prevents me from getting financing on the best possible
terms.
This debt was fully satisfied and while I know it can stay on my report
up to 7 years, I am kindly asking you to consider my request and remove
it.
Thanks.
Sincerely,
Joe Chmoe
SSN# XXX-XX-XXXX
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