If I am current on the particular credit card I wish to cancel and am not in default, then how would I modify the process?

| 0

There is no change to make. The first sentence is “Thank you for the statement of [date], that your institution recently sent me, expecting payment for an alleged debt.” That remains true whether you are current on your payments or not. In any case, do NOT include a payment with it, because that would contradict the point of the dispute letter and remove the credibility of your challenge.

Comment on this FAQ

This site uses Akismet to reduce spam. Learn how your comment data is processed.