WRONG INFORMATION ON MY CREDIT REPORT

[tryin_to_make_it]

I have a credit card company that is reporting more delinquencies than i actually have.  they arent any help. Does anyone have a nicely worded and formatted letter that i can send to CRA to dispute this issue.  from reading some of these threads i am beginning to see that word play is  difference between the CRA taking your dispute seriously or just letting their computers handle it and sending you a simple "verified" response.

also if you have any other tips please let me know.

thanks in advance

[Tuscani]

Start by disputing the account as "never late".

PS.. which CC company is this?

[tryin_to_make_it]

The cc is with Sears/CITI.   Do you have or know where i can find an example dispute letter to send to the CRAs?

[Tuscani]

YOUR NAME
ADDRESS
CITY, STATE ZIP
SOCIAL SECURITY NUMBER

CREDIT BUREAU NAME
ADDRESS
City, STATE ZIP

Date: 11/29/93

To Whom It May Concern,
Pursuant to my rights under the Fair Credit Reporting Act, I hereby challenge the
credit report entry (ies) as noted below:
Credit Report Date: 1/17/94
Entry(ies) I dispute: issued by
Visa Card Acct # 1234123412341234 - states that the account was past due 150
days. This statement is not true.

Please return a summary of your investigation stating that you have or have not
obtained verification as to the accuracy of the credit report entry in question,
Should verification not be provided you within 30 days I fully expect such
entry(ies) to be permanently deleted from my credit repel and no mention made of
it henceforth.

Sincerely,