Credit Reporting Agency (CRA) Remove Old Information Letter

Use this letter to remove outdated or expired information from your credit reports!

The Fair Credit Reporting Act (FCRA) requires most information over 7 years old to be removed from personal credit reports. Although most information is removed automatically sometimes negative information is overlooked. Consider sending a letter to the credit reporting agencies requesting they remove the outdated information. In many cases, the removal of outdated information improves your credit scores.

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Free Sample Letter to have outdated information removed from personal credit reports, credit profiles and credit history.

Today’s Date

Your Full Name
Current Address
Current Phone Number

Attention: {insert credit reporting agency name}
Click for Equifax, Experian or Trans Union Address
{add CRA address here}

Dear {credit reporting agency}

This letter is a formal request to remove outdated information from my credit report. For easy reference, I’ve enclosed a copy of the credit report that your organization provided me on {insert date of report} with the outdated items circled in red. I’ve also listed the items below:

Line Item {insert number}:

{insert name and date of item}

In accordance with the Fair Credit Reporting Act, Section 605 [15 U.S.C. § 1681c] “Running of Reporting Period”, as of December 29, 1997, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired as of [insert date].

I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the address listed at the top of this letter.

Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.

Thank you for your consideration and cooperation in resolving this matter. If you have any questions concerning this issue I can be reached at: {insert daytime phone number including area code).


Your Printed Name