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Katie's Credit Glossary
| PREPARING KIDS FOR CREDIT, STUDENT ISSUES
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Kids, Money, and Credit
College and Credit Cards, Student Credit Cards
How to Pay for College: Financial Aid information
The Truth About Debt Consolidation Programs
Credit & Divorce
Child Support & Deadbeat Dads
Choosing the Right Credit Card for You
Personal Bankruptcy Explained
If You Have Been Treated Unfairly By a Creditor
Debt Consolidation Scams
Debt Elimination Scams
Debt Settlement Scams
Christian Credit Scams
Predatory Lenders
Identity Theft
Tips for 1st Time Home Buyers
What to do if You've been Denied
Credit & Home Buying
Negotiating a Home
| NEGOTIATING AND REPAIRING CREDIT
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Negotiating Debt With Your Creditors
Your Rights Regarding Debt Collection
Free Credit Repair: How to Clean Up Your Own Credit
Easy Steps to Building or Re-establishing Good Credit
Disputing Mistakes on Credit Card Statements
| CREDIT REPORT INFORMATION, CREDIT SCORE INFORMATION
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How to Get Your Credit Reports
How Long Do Entries Stay on My Credit Report?
How to Read Credit Reports
Credit Score, FICO Score Explained
Innovis: The Fourth Credit Bureau
Federal Law Concerning Credit
Katie's Links
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DISCLAIMER
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CLOSING A CREDIT CARD ACCOUNT
Personalize the form letter below by entering your specifics in the CAPITALIZED areas.
DATE
CUSTOMER SERVICE
CREDIT CARD COMPANY NAME
COMPANY'S ADDRESS
CITY, STATE AND ZIP CODE
Re: Closing account on CARD NAME account NUMBER
Dear Sir or Madam:
This letter is my official notice that I will be closing my account NUMBER by the end of the month with NAME OF CREDIT CARD COMPANY.
I paid the account's balance with check number LIST CHECK NUMBER dated ENTER DATE. I have received confirmation from my bank that this check cleared on POSTING DATE. IF YOU HAVE A COPY OF THE CANCELED CHECK OR SOME OTHER VERIFICATION THAT YOUR PAYMENT TO THE ACCOUNT WAS MADE, MENTION THAT HERE: I AM ENCLOSING A COPY OF MY CANCELED CHECK TO CONFIRM THAT YOU DID RECEIVE MY PAYMENT. I also am enclosing my destroyed credit card.
To my knowledge, all my fiscal responsibilities with this credit card account have been fulfilled. Therefore, please close my account and include a notation in the report to the credit bureaus that the account was "closed by request of cardholder."
Once this is done, please send me written confirmation of the closure of my account, in good standing and at my request.
If there are any discrepancies between my records and yours, please contact me by mail at the address below or by phone at TELEPHONE NUMBER.
Thank you for your prompt attention to this matter.
Sincerely,
YOUR SIGNATURE
YOUR TYPED NAME
ADDRESS
CITY, STATE AND ZIP CODE
Enclosures: destroyed credit card
Verification of final account payment
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