It is CRITICAL to have the correct DATE CLOSED (Trans Union only.)

To Whom It May Concern:

Please immediately correct these accounts:

1) [creditor/collector name (account # if multiple accounts with same name on the report)] – please report the DATE CLOSED, no later than when I filed for bankruptcy in  [month/year]

2) [creditor name] – please report this [auto loan/ mortgage] as open and current, it was NOT included in my bankruptcy and I am making my timely monthly payments.  [or “I never paid late” if you never were 30 days or more late]

Sincerely,