This letter requests the removal of outdated negative information from a credit report. It cites the Fair Credit Reporting Act which requires such information be deleted if it is over 7 years old. The letter provides details of the specific creditor and account to be removed, and requests notification and an updated credit report once the deletion has occurred.

1. Request to Remove Outdated Information
The purpose of this credit repair letter is used for disputing outdated information on your credit report.
The Statute Of Limitations varies from state to state. This credit repair letter should be sent certified
mail return receipt. If you would like to find out the length of time items can remain on your credit
report, go to www.FTC.gov
To Whom It May Concern,
Please note that under Sections 605 and 607 of the Federal Fair Credit Reporting Act you are obligated
within 30 days to delete obsolete information from my consumer credit file. The information being reported
on my credit report is more than seven years old and exceeds the statutory time period under this Act,
and must be removed: The information to be deleted is as follows:
Creditor Name: [Creditor Name]
Creditor Account #: [Creditor Account]
Comments: [Enter comments about the Creditor]
Also, pursuant to Section 168 of the same Act, I am entitled to be notified when these items have been
deleted. Please send an updated copy of my credit report to the address below, as well as to any other
party that has inquired about my credit rating in the last six months.
My personal information is as follows:
[Name]
Social Security Number: [Social Security Number]
Date of Birth: [Date of Birth]
[Current Address]:
[City, State Zip]
Sincerely,
[Signature]
[Date]