Credits & Loans
- Debts & Collections
- Credits & Loans
- Banking
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1 Bill Adjustment Request
Use this document to send a request to a company that has overbilled you, that they correct the error. Excess and adjusted amounts will be automatically calculated when you enter the quoted vs. invoice amounts. You may also use this document to notify your credit card company of a mistake to your credit card bill, and request removal of the error.
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2 Credit Card Billing Error
From time to time you might notice a mistake on your credit card bill. Under the Fair Credit Billing Act, you have the right to make the credit card company correct these billing errors. You can customize this letter to challenging the charge on your bill. Once your letter is sent to the credit card company, the law requires the credit card issuer to acknowledge your letter within 30 days and to resolve the dispute within 90 days.
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3 Loan Modification Letter
In an attempt to negotiate and modify a mortgage or mortgage payments, a borrower may seek to appeal to the lender with a written request to modify. The letter will explain the reason for the hardship, and need for a reduced payment, as well as explain why the borrowers current situation is changing in a positive way.
This letter will enable a borrower to explain his or her difficulty in making payments in the current amount, and to advocate for a reduced payment with reasons why the new payment will be easier to comply with.
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4 Lost Credit Card Report
In the unfortunate event that you lose one or more credit cards the first action you must take is to notify the credit card company to ensure cancellation of the card and prevent future charges by someone other than yourself. Use this document to inform your credit card company that you lost your credit card. It instructs them to no longer authorize charges on your card, and asks them to notify you of any fraudulent charges made after the date the card was lost. This letter also authorizes the credit card company to issue a replacement card.
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5 Request for Credit Report
A credit report is a record of an individual's or company's past borrowing and repaying, including information about late payments and bankruptcy. It is used in determining an individual's willingness to repay a debt. The three major credit reporting agencies from where you would need a credit report are Equifax, Experian and Trans Union. Because other reporting firms gather your credit profile from a subset of one or more of these three major agencies, it's always a good idea to get a report from each agency. A separate request needs to be completed for each agency from which you want a credit report.
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6 Request to Correct Credit Report
A credit report is a record of an individual's or company's past borrowing and repaying, including information about late payments and bankruptcy. It is used in determining an individual's willingness to repay a debt.
Once you have your credit report in your possession, and you determine that there is one or more errors, you will want to request that the erroneous entries be investigated and corrected. You need to complete a send a separate document to each reporting agency with which you want to correspond. Use this document to request a correction to your credit report.
Errors that are commonly disputed are balances on accounts, negative information (such as late payments) being erroneously put on the credit report and accounts not belonging to you appearing on your credit report.
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7 Stolen Credit Card Report
In the unfortunate event that one or more credit cards is stolen the first action you must take is to notify the credit card company to ensure cancellation of the card and prevent future charges by someone other than yourself. Use this document to inform your credit card company that your credit card was stolen. It instructs them to no longer authorize charges on your card, and asks them to notify you of any fraudulent charges made after the date the card was lost.
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