The Letter to Credit Bureau to Remove Late Payment is a crucial document for individuals in England and Wales seeking to correct their credit records. It's typically used when a late payment has been incorrectly reported, when there were exceptional circumstances causing the late payment, or when the payment was actually made on time but incorrectly recorded. The letter must be drafted in accordance with UK credit reporting regulations and data protection laws, including detailed information about the disputed entry, supporting evidence, and clear justification for removal. This document is particularly important as credit records can significantly impact an individual's ability to obtain future credit, housing, or employment.
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1. Personal Information: Full name, address, and any account numbers identifying the sender
2. Credit Bureau Information: Name and address of the credit bureau being contacted
3. Account Details: Specific information about the late payment being disputed, including account numbers and dates
4. Request Statement: Clear and formal statement of what is being requested (removal of late payment record)
5. Supporting Evidence Reference: Reference to any enclosed evidence supporting the request for removal
1. Explanation of Circumstances: Details of any exceptional circumstances that led to the late payment
2. Previous Correspondence Reference: Reference to any prior communication with the credit bureau about this matter
3. Good Payment History Statement: Statement highlighting otherwise good payment record and credit history
1. Payment Evidence: Copies of bank statements or payment confirmations showing payment was made
2. Identity Documents: Copies of identification documents to verify the sender's identity
3. Credit Report Extract: Relevant section of credit report showing the disputed late payment entry
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