Credit Problem -

A clear, factual explanation of why the information is wrong (e.g., "The account was closed by me, not the lender"). A request for the item to be removed or corrected.

This stops the harassment, but it does not erase the debt. 3. Requesting Financial Hardship Assistance How do I dispute an error on my credit report? Credit Problem

If you find inaccurate information (like a payment you actually made or an account that isn't yours), you should send a formal dispute letter to the credit bureaus. Your full name, address, and telephone number. The account number for each item you are disputing. A clear, factual explanation of why the information