Dispute Template Letter – 7 Year Reporting Period Has Expired

NOTE: Use this letter to dispute negative accounts that are past the 7-year reporting period. The 7-year clock starts ticking 180 days from the date (month and year) of the first missed payment that led to charge off, collection, foreclosure or repossession. So, when you do the math, the 7 year reporting period is really 7 ½ years (from the last missed payment) that you can expect the derogatory item to come off of your credit report.   Remember:  Only send this letter to the bureau(s) that are reporting the derogatory information.  If you send this letter to one of the three bureaus that is NOT reporting the information, you take the risk of having the derogatory information added to that bureau report.  Send proof of current address, proof of social security number, and send all correspondence via certified mail.

[[Date]]

[[Credit Bureau Name]]
[[Address]]
[[City, State, Zip]]

Dear [[Credit Bureau Name]]:

I recently pulled a copy of my credit report on-line and found that you are reporting the following delinquent account(s) that are past the 7 year reporting time as allowed under the Fair Credit Reporting Act. The following account(s) should be deleted immediately:

Creditor:  [[Creditor Name]]
Account Number:  [[Account #]]
Date of Last Delinquency:  [[Date]]

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days.  My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 

I look forward to receiving an updated copy of my credit report reflecting the above correction.  Thanking you in advance.

Sincerely,

[[Your Name]]
[[Your Address]]
[[Your SS#]]
[[Your DOB]]