Sample letter removing damaging information from a previous marriage:

Jane Johnson

easy street

Happiness, Ohio 33333

July 4, 2002

credit card company

New York, NY

CERTIFICATE REQUESTED RETURN RECEIPT

Attn: (remember who you talked to)

RE: Account number

Dear (person you talked to)

As I explained to you during our phone conversation, the account you have reported on my credit report belongs to my ex-husband. The reported information could possibly have been entered in error.

I have never used this account nor have I signed any document accepting the use or guarantee of this account. The information is affecting my credit and under the Fair Credit Reporting Act, I would like to have this information removed from my credit report.

In addition, I would like any reference to this account in my records that you have reported to all other agencies removed.

There is a possibility that I was an authorized user on this account, but with that said, I have never signed any warranty, contract, or stated that I would be responsible for any of the alleged debts.

Without any proof or evidence showing my signature regarding this debt, you have two options. (1) You can remove this from my credit (2) You can explain to the third party adjudication and provide an explanation as to why you choose to violate the Fair Credit Reporting Act.

Thank you for your prompt attention.

To be honest,

Jane Johnson