Cease &

Desist
Letter
from

Wallace Cleaver
123 Elm St.
Yourtown, NY 12007

CERTIFIED MAIL RETURN RECEIPT REQUESTED 7009 0820 0000 2707 5087

March 11, 2009

Mr. Larry Mondello

North American Collections Specialists
1313 Main Street, Suite 202
Theirtown, NY 12006

RE: MasterCard account #5418 1234 5678 9101

Dear Mr. Mondello:

Greetings!

You are hereby notified under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices
Act, that your services are no longer desired.

 You and your organization must CEASE & DESIST all attempts to collect the above debt. Failure to comply with this
law will result in my immediately filing a complaint with the Federal Trade Commission and this state’s Attorney
General’s office. I will pursue all criminal and civil claims against you and your company.

 Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any tele-
phone conversations that we may have in the future.

 Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this
notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any
and all legal remedies available to me by law.

Since it is my policy neither to recognize nor deal with collection agencies, I intend to settle this account with the original
creditor.

Have a nice day.

Sincerely,

Wallace Cleaver
 Credit
File Letter
Dispute from

Wallace Cleaver
123 Elm St.
Yourtown, NY 12007

CERTIFIED MAIL RETURN RECEIPT REQUESTED 7009 0820 0000 2707 5087

March 11, 2009

Experian/Equifax/TransUnion Etc
Credit Report Review Dept.
1313 Main Street, Suite 202
Theirtown, NY 12006

RE: Credit Report File # 1234 5678 9101 (Found on Credit File)

Dear Reviewer:

Greetings!

I recently received a copy of my credit file from your company. This correspondence lists the following items that are in error.
These items are in error because of the reasons listed. Please verify the following items and update my credit report to accu-
rately reflect my actual credit history and worthiness. Upon reading the info in the included in the credit file I downloaded, I
expect you to conclude this process in the 30 days allowed under the Fair Credit Reporting Act. Thanks for your help in mak-
ing my file accurately reflect my true standing.

Items:

 My name is listed several times and the only correct version of my name is Wallace Cleaver.

 Account Name: ABC MasterCard is listed as charged off and this is not correct. I am disputing this for the reason
that I have never had a credit card with ABC bank.

Reasons can include: Not Mine, Amounts Incorrect, Dates Incorrect, Status Incorrect, Outdated.

In closing, please send me my free updated copy of my files as you have completed the corrections.

Have a nice day.

Sincerely,

Wallace Cleaver
123 Elm St.
Yourtown, NY 12007
 Dispute
Follow- Letter
Up from

Wallace Cleaver
123 Elm St.
Yourtown, NY 12007

CERTIFIED MAIL RETURN RECEIPT REQUESTED 7009 0820 0000 2707 5087

April 21, 2009

Experian/Equifax/TransUnion Etc
Credit Report Review Dept.
1313 Main Street, Suite 202
Theirtown, NY 12006

RE: Follow Up Letter to Dispute Filed on March 10 2009

Enclosed: Copy of Original Letter and Signed Return Receipt Mail Card

Dear Reviewer:

Greetings!

Over 30 days have passed since I requested you correct and or verify inaccurate items on the letter enclosed. Since these items
were not verified within the 30 days allowed and in accordance with the law (FCRA), I request that these items be removed
immediately.

I am sure that you will attend to this matter and will send my free updated copy of my credit file.

Have a nice day.

Sincerely,

Wallace Cleaver
123 Elm St.
Yourtown, NY 12007
SSN: 555-55-555
 Remove
Inquiry
Letter
from

Wallace Cleaver
123 Elm St.
Yourtown, NY 12007

CERTIFIED MAIL RETURN RECEIPT REQUESTED 7009 0820 0000 2707 5087

March 11, 2009

Experian/Equifax/TransUnion Etc
Credit Report Review Dept.
1313 Main Street, Suite 202
Theirtown, NY 12006

RE: Unauthorized Credit Inquiry on Credit File #555-555-555

Dear Reviewer:

Greetings!

I received a copy of my credit file from your company recently and it showed a credit inquiry by ABC Credit Card Company
that I do not recall authorizing. I understand that you should not be allowed to put any inquiry on my file unless I have author-
ized it. Please have this inquiry removed from my credit file immediately because I believe it to be in error and I did not au-
thorize it.

I am sure that you will attend to this matter quickly and forward me documentation that you have had it removed. If you find I
am remiss and you do have proof of my authorization then please send me verified evidence.

Have a nice day.

Sincerely,

Wallace Cleaver
123 Elm St.
Yourtown, NY 12007
SSN: 555-55-555
 Frivolous
Claim Letter
Follow-Up
from

Wallace Cleaver
123 Elm St.
Yourtown, NY 12007

CERTIFIED MAIL RETURN RECEIPT REQUESTED 7009 0820 0000 2707 5087

April 21, 2009

Experian/Equifax/TransUnion Etc
Credit Report Review Dept.
1313 Main Street, Suite 202
Theirtown, NY 12006

RE: Follow Up Letter to Your Claim of Frivolous Dispute

Enclosed: Copy of Original Letter and Signed Return Receipt Mail Card

Dear Reviewer:

Greetings!

I received a letter from your company stating that my letter requesting verification of erroneous items on my report as being
classified as “frivolous”. I assure you that in no way do I consider this matter of such import as frivolous. In fact if you do not
honor my original request, I will file a complaint with The Federal Trade Commission

I am sure that you will attend to this matter and will send my free updated copy of my credit file.

Have a nice day.

Sincerely,

Wallace Cleaver
123 Elm St.
Yourtown, NY 12007
SSN: 555-55-555
 Debt
Settlement
Letter
from

Wallace Cleaver
123 Elm St.
Yourtown, NY 12007

CERTIFIED MAIL RETURN RECEIPT REQUESTED 7009 0820 0000 2707 5087

March 11, 2009

Mr. Larry Mondello

North American Collections Specialists
1313 Main Street, Suite 202
Theirtown, NY 12006

RE: MasterCard account #5418 1234 5678 9101

Dear Mr. Mondello:

Greetings!

This letter is to confirm our telephone conversation on (DATE) regarding the settlement of the above account.

As discussed, I will pay your company the amount of $_______ as full settlement of this account.

Upon receipt of the above agreed amount, your company has agreed to change the entry on my credit reports to “paid satisfac-
tory”. Also, any negative credit information pertaining or resulting from this account, such as “late payment” or “charge off”
will be deleted from my credit reports.

If you agree to the above, please acknowledge with your signature and return to me. Upon receipt of this signed acknowledge-
ment, I will promptly send you a money order in the amount agreed upon.

Creditor’s Authorized Signature:__________________________ Date: _______________

Name:
Title:

Sincerely,

Wallace Cleaver
 Your
Special Report
from

Creating the Certified Return Receipt Mail

1. Go to your local post office and

ask for a certified mail Form
3800, a green sticker with a
barcode. Fill out the form with
the name and address of the
recipient.
Larry Mondello— NACS
2. Affix the sticker in the correct 1313 Main Street, ST 202

position on the item. The label Theirtown, NY 12006

part goes above the delivery

address, on the right side of the
return address. It can also be put
to the left of the address on
parcels. Larry Mondello— NACS
1313 Main Street, ST 202
3. Pay the postage fee for whatever Theirtown, NY 12006
method you choose, such as
7009 0820 0000 2707 5087
First Class or Priority. Pay for
Certified Mail and any other
services you may request.
Certified mail can only be
addressed to locations in the
United States.
4. Send Certified Mail from your
post office or have your carrier Wallace Cleaver
123 Elm St.
pick it up.
Yourtown, NY 12007
5. You must request Return
Receipt service, which lets you
obtain the recipient's signature.

CreditMania.com
12000 Swallow Drive
Austin, Texas 78750
E-mail: [email protected]
 Your
Special Report
from

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New Jersey 6 6 6 6
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Colorado 6 6 6 6
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Missouri 5 10 10 5

CreditMania.com
12000 Swallow Drive
Austin, Texas 78750
Credit cards are typically considered Open Accounts.
E-mail: [email protected] Car loans and other installment agreements are Written Contracts