_________________________, 20____
							(Date of Letter)



Credit Bureau
______________________________
(Attn:  Reporting Agent)
______________________________
(Street Address)
______________________________
(City, State and Zip Code)

RE: 	_________________________________________
      	(Protest to Adverse Credit Rating)

Dear Reporting Agent:

	As a result of a credit report received on the _______ day of
____________________________, ______(year), it is apparent that an adverse
credit rating was provided relative to the undersigned regarding ___________
___________________________________ (describe account with particular entity
for which protest is to be indicated).  The reporting provided by the
aforementioned entity is inappropriate and erroneous for the following
reason(s): _________________________________________________________________
____________________________________________________________________________
____________________________________________________________________________
(description why credit rating report is erroneous or inappropriate).  The matter
between the undersigned and the aforementioned entity is a matter in dispute as
indicated and as further evidence of that dispute, please see the attached
enclosures which include: __________________________________________________
_______________________________________________________ (letters, canceled checks,
payment vouchers, etc.). 

	Kindly include within your file the enclosed documents and this correspondence
as evidence of the dispute existing between the aforementioned entity and the
undersigned.  Kindly also provide this information to any agency, department or
individual that may request information relative to my (our) credit standing since
it is the undersigned's belief that the enclosures provide much more accurate
explanation of the item in contention.  If you need any additional information,
please do not hesitate to contact the undersigned.  Thank you.

							Very truly yours,



							______________________________
							(Signature)
							______________________________
							(Address)
							______________________________
							(City, State and Zip Code)
							______________________________
							(Phone Number)

LAWCHEK, LTD. LETTER PRO Samples, Copyright 2006
This is not a substitute for legal advice.  An attorney must be consulted.