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Free Sample Letter for Closing
Inactive Credit Accounts With Zero Balance
Today's Date
Your Name
Home Address
Phone Number
Attention: {Creditor's Name}
Creditor's Address
RE:
Account #: {your account number here}
Dear Accounting Department {or Creditor's Name if you have
it}
Please close the above referenced account effective
immediately. I spoke with {insert name} on {insert date} at {insert time}, and
{he/she} assured me that the "payoff balance" would be no more than $ {insert
dollar/cents amount}. I've enclosed a check for that exact amount.
Or alternatively... Please close the above referenced
account effective immediately. My records indicate the account has a zero
balance.
Please send me written confirmation that this account has a
zero balance and the date the account was closed . Also, include proof that
you've complied with section 623(a)(4) of the Fair Credit Reporting Act by
reporting this account as "closed by consumer" to the national credit bureaus.
Thank you for your cooperation. If you have any questions
concerning this matter I can be reached at (insert daytime phone number and
area code)
Sincerely,
Signature just above printed name
Your Printed
Name
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