WhiteSmoke Template-Finance

1. Agreement to Compromise Debt

John Smith, referred to as CREDITOR and Jane Doe, referred to as DEBTOR, agree to compromise the indebtedness as between them. CREDITOR, hereby agrees to compromise the indebtedness due the CREDITOR on the following terms and conditions:
The CREDITOR and the DEBTOR agree that the present debt due is $2468.18 (two thousand four hundred sixty eight & 18/100 dollars). The parties agree that the CREDITOR shall accept the sum of $1000.00 (one thousand & no/100 dollars) as full payment on the debt. The acceptance of the payment will serve as a complete discharge of all monies due. The payment shall be made in cash.
In addition, upon accepting of the $1000, the CREDITOR will notify all Credit Reporting Agencies that account is PAID AS AGREED, and delete any entries showing this account as ever being late.
This compromise is expressly conditioned upon the payment being received by March 15, 2005. If the DEBTOR fails to pay the compromised amount by March 15, 2005, the original amount owed by the DEBTOR will be reinstated in full, and immediately due.
This Agreement shall be binding upon and inure to the benefit of the parties, their successors and assigns.
Dated: _______________
Signature: ____________
John Smith
CREDITOR
Signature: ____________
Jane Doe
Debtor

2. Bank Error
Dear
Re: Account (Name and #)
I am bringing to your attention a situation that recently occurred in my account.
I request that you check this matter and resolve it as quickly possible.
Your hasty action in resolving this issue will be greatly appreciated and I thank you in advance and look forward to hearing from you.
Yours sincerely,

3.Debt Validation

Collection Agency

Re: Acct 123-345-78
I have just pulled out a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights, I request that you validate this debt.
Sincerely,

4.Investigation of Billing Inquiry
Dear
re: Account: (Reference #/ Name)
Having completed the investigation of your billing inquiry, below please find the detailed summary of all your transactions over the past (days/.months/):-
DateDescriptionAmount

Transaction Description or paymentDollar Amount





Balance Due $ amount
In order for us to conclude this query, we request that you review the above transactions and the attached supporting documents, so that we can verify that your and our records correlate.
If, according to your calculations, there is a discrepancy and you still wish to dispute your billing, we request that you provide us with the documentation that you have on hand that supports your case. Upon receipt of said documentation, we will investigate your query further.
In the event of not hearing from you within (days/weeks), we will assume that your records concur with the above account information and subsequently we will close our investigation file.
Accordingly, we would ask you to forward your payment of ($amount, the said outstanding amount)as soon as possible to ensure that your account be kept updated with us.
Thank you.
Yours sincerely,

4. Letter of Credit (General)


Dear Sir
We hereby agree to accept and pay at maturity any draft or drafts on us, at a day's notice, issued by (Name of individual) of your city, to the extent of (Amount of limit) ($ ) Dollars, and negotiated through your bank.
Most respectfully yours,
DATED: _____________________
____________________________(Address)


5. Letter of Credit (Irrevocable)


Irrevocable Credit:
All drafts drawn must indicate credit number.
Gentlemen:
You are hereby authorized to value on the (bank), of the City of ________________, State of______________, for any sum or sums up to the aggregate of ______________($ ) Dollars.
For the account of ___________________
Available by your drafts at (specify) day's sight.
Drafts are to be accepted only against delivery of the following documents:
_________________________________________
Documents of title must be dated not later than __________, 20___.
All drafts against this credit are to be drawn and negotiated before (date).
We hereby agree with the drawers, endorsers, and bona fide holders of drafts drawn in compliance with the terms of this credit that they shall be honored on presentation.
Yours faithfully,


6. Credit Repair - Letter of Dispute
Complaint Department
Name of Company
Address
City, State, Zip Code


Dear Sir or Madam,
I am writing to dispute the following information in my file. The items that are in dispute also are encircled on the attached copy of the report that I have received.
This item (identify item disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment) is (inaccurate or incomplete) because (describe).
I am requesting that the item be deleted (or request another specific change) in order to correct the information.
Enclosed are copies of (payment records, court documents) supporting my position.
Please investigate this matter and (delete or correct) the disputed item as soon as possible.
Sincerely,

Enclosure


7. Removal of Inadequate Information


The Credit Bureau
Dear Credit Bureau,
This letter is a formal complaint that you are reporting inaccurate credit information.
I am very distressed that you have included the below information in my credit profile due to its damaging effect on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor's part. As a result of this inaccurate information, I have been wrongfully denied credit recently for a (insert credit type), which was highly embarrassing and has negatively impacted my lifestyle.
The following information therefore needs to be verified and deleted from the report as soon as possible:
Creditor Agency- acct. 123-456-ABC
Please delete the above information as quickly as possible.
Sincerely,

SSN# 123-45-6789


8. Reply to Application for Credit
Date:
I, the manager of the bank, read your request of a special loan for a period of time.
As a long standing customer of our bank, we are offering you a personal loan or line of credit which can help relieve you of the weight of your debts or help finance new purchases.
With such low rates you can save hundreds of dollars over the life of your loan. This will enable you to purchase the new car that concerned you with extremely easy terms.
The following may not concern you at the present moment, but you can convey the following on to others, that this loan is available to those intending to start or further develop a long standing business, and/or can be used to put a child through college.
Those are our recent loans that we are offering.
A personal loan can give you the financial freedom which can make your dreams a reality.
We wish you good luck with the purchase of your car.
Sincerely,

9. Request For Increase Credit Limit


Dear
We acknowledge receipt of request for an increase of credit limit. Having assessed your account and performed a careful review of your charge account ,(as is done with all requests) it pleases us to inform you that your credit limit has been increased. The credit limit as follows:
Old Credit Limit: $______________ New Credit Limit $_______________
Over and above this change of status of account, you now qualify for further benefits in the bank.
Should you require additional information about new benefits, please see one of our credit representatives on your next visit to the bank. If details are needed immediately, we request you make an appointment with the clerk who deals with your account or my co-worker and the new benefits will be outlined.
You are a valued customer, and the bank's policy is to please our customers, giving the greatest benefits available.
We appreciate your continued patronage with our bank and look forward to assist you at all times.
Yours faithfully,

10. Returning Unsigned Check
Dear
I thank you for your check received in the above amount.
Unfortunately, we noticed that you inadvertently neglected to sign this check. We realize that occasionally these oversights occur and hereby enclose the check requesting that it be appropriately signed and returned to us as quickly as possible for processing of payment.
Thank you for your prompt attention to this matter.
Yours sincerely,

11. Unauthorized Credit Inquiry
To: Credit Card Company


Dear Sir,
I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it.
Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
I have sent this letter certified mail because I need your prompt response to this issue. I would appreciate your immediate attention to this matter and would be pleased to receive documentation that you have had the unauthorized inquiry removed.
If you find that I am remiss, and you by some chance did have my authorization to inquire into my credit report, then please send me proof of this.
Thanking you in advance.
Yours sincerely,