- In today's business world, a good credit rating is crucial. If there is an error in a credit report, you should address it as soon as possible. Make sure that the credit bureau corrects the error immediately. Ask them to send the edited statements to everyone they sent the wrong reports.
- Explain the mistake by presenting the evidence.
- Request the bureau to fix the error.
[State, ZIP Code]
[State, ZIP Code]
[Subject: Normally bold, summarizes the intention of the letter] -Optional-
Dear [Recipients Name],
If you recall, I applied for a restructured credit card payment scheme in January of last year. The arrangement was that I would be paying a fixed amount of $150 every month for two years to cover my debt completely. I have done so quite religiously and should have only two months left before settling the full amount. However, I still received a statement yesterday which makes it appear as though I have not issued any payments in the last year.
Could you please look into this matter as soon as possible and make the necessary adjustments to your records immediately? If you wish, I can provide you with copies of my receipts for the last year. Thank you for your prompt attention.
[Senders Title] -Optional-
[Enclosures: number] - Optional -
cc: [Name of copy recipient] - Optional -
Sample letter to request a correction in a credit card bill.
Further things to consider when writing request letters to banks
Request letters are letters written to ask formally or politely for something. Any matter that requires a humble and polite appeal can be put forward using a request letter. It could be a job interview, a promotion, or a favor; a request letter will get the job done. A request letter can be formal or informal depending on the recipient. If you are requesting a friend to do a task for you, for instance, you can choose to go informal. But if you are requesting your manager for a promotion, the letter has to be formal. Either way, a request letter must be sent early enough to give the recipient ample time to process and respond to the request.
When writing request letters, you need to be brief and direct, avoiding any auxiliary information that might weaken the message you are conveying. State exactly and clearly what you are requesting for giving reasons for it. If you are requesting for a raise, for example, explain in details why you think you deserve one. Maintain a polite tone throughout the letter. Close the letter by thanking the recipient in advance and expressing your anticipation for his/her consideration.
Letters to Banks
Letters to banks are letters sent specifically to the banks by their customers. The letters can be addressed to bank managers or any other relevant bank official, based on the situation at hand. There are various reasons why you may want to write a letter to the bank. The most common ones include to request for a new ATM card, to ask for funds transfer from one account to another, or to open or close an account. You can also write to inform the bank about a phone number or postal address change. In all these situations, letters to the bank must remain formal and professional.
Before writing letters to banks, you need to make sure that you have all the information the bank may need regarding your account. Use the standard business greetings. If you know the recipient's name, write to him/her by name. Mention the purpose of the letter. Provide all the necessary information such as account number, name, postal and email address, contact number, etc. as registered with the bank. Be specific and avoid writing the same thing twice. Keep the letter simple and concise. Wrap the letter up by calling the recipient to appropriate action.