Credit Repair Letter

Credit Repair Letter


A Credit Repair Letter is written to express your disagreement over the alleged charges or inaccuracies on your credit standing. This can happen when banks or credit card companies forward inaccurate credit statements to your attention. A credit repair letter is advised to correct the inaccuracy quickly to avoid any penalty. A lot of time banks make a mistake in updating credits. It may be the fault of the machine or the person using it which causes inaccurate credit to be updated in the statement. A credit repair letter clarifies the incorrectness of the statement and points out what the mistakes are.

In a Credit Repair letter you should also mention the date and approximate time of the credit entering your account and you should also mention the date and time of when you got to know about the mistake made in your statement. This is an official letter written to the credit card companies and so it should be written in a formal tone and in the correct format with polite words.

Sample Letter


John James

2616 Oakmound Drive
Chicago, IL 60607

January 23, 2017


MasterCard Services

434 Fairview Street

Chicago, IL 60607

Dear Sir/Madam,

RE: Request for credit repair

I am writing with deep concern over the inaccuracies that I have found in credit statement for this month. It has come to my attention that there was a charge of $400 paid on a purchase from West Indies on January 2, 2017.

I can verify that I did not perform the transaction as I was at another place, making another transaction. Attached is my purchase receipt for your perusal. From the attached evidence, it would be impossible for me to conduct two transactions at different locations that are quite far away from one another. It is really disheartening that the company I have been trusting for so many years now has made this mistake in the credit card statement.

I would like to request then, a quick reversal of the invalid charge of $400 according to the “1996 Fair Credit Reporting Act”. Please inform me of the update on my credit standing when the reversal is performed. I request you to maintain a double-checking system before sending faulty statements to your customers.

Thank you.

Yours sincerely,

John James

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