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Credit Card Protection

So often community members have asked for a letter example to accomplish some purpose. This then is a sample format I have written myself or obtained from others on my Forum. Feel free to copy, paste, and alter to fit your needs.

If married, you and your spouse can merge credit files. This can be beneficial if one of the two has very limited or slightly blemished credit and the other file is excellent. Send a letter similar to the following to each of the three main credit bureaus.

Special Note: If one of the two has credit blemishes, be sure that the person with good credit follows up after the files are merged requesting their file be removed from the person with bad credit. In this way, the person with poorer credit is merged with the good credit history, but the good credit history stands alone and is not affected by the bad credit.

Merge Credit Files

From: (Your Name)
TO: Credit Reporting Agency
City, State, Zip Code
Subject: Merge Credit Files

Please merge my credit file with that of my spouse. When merged, please forward my updated file as well as that of my spouse. Enclosed is a copy of our driver's license [military ID, utility bill, or other identification].

Full Name: _____________________________________
Phone Number: ___________________________________
Current Address:________________________________
Previous Addresses (last 5-years):______________

Spouses Full Name:______________________________
Your birth date:__________ Spouse's birth _____________
Your SSN#________________ Spouse's SSN#___________________


Your Name

Spouse's Signature
Spouses's Name