Request for a credit adjustment

When the need to write a request for a credit adjustment letter comes, it should always be done in writing because you always want to keep a hard copy of the letter as well. Not only that but the response needs to be kept because credit bureaus can be difficult at times, and it’s great to have that information on file. Often at times, you might need to write a second request for a credit adjustment, because these bureaus are famous for ignoring letters. Being direct and to the point is the best way to deal with these people.


Starting to Write


Explain what the problem is and if there is any documented evidence you can use.


What exactly do you expect to happen with the item being disputed on the report?


If you want a refund, clarify that or if you want a credit in your name, then tell the bureau how much.


Don’t get your hopes up but state the date that you would like to see the adjustment made by.

Sample Letters

Sample request for a credit adjustment

Dear Mrs. Richards,

If you recall, on August 3, you installed a new water system that was supposed to purify the water in the office. We have sent several letters and several requests for service on the following dates:

September 3, 15, 25

October 1, 4, 10, 15, 20

November 1, 5, 10, 15, 20, 25

It’s been several months and you have yet to answer a single letter, so I’m a tad more than fed up. I am making a phone call yet again today and I would like the system to be gone and out of this office by next week. I would also like a check issued for $1,205.25 which is the complete amount that we have given you to date for the system that isn’t working. If this transaction is not completed by January 1, we will be seeking action from the courts.

Have a good day,