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I need a sample letter for credit repair.?

I am in the process of "cleaning" up my credit. I have several negative accounts that should be scheduled for removal this year as per my State's SOL. ( 7 years). My first one will be 7 years old this March. I need help with the steps on how to assure this will be removed from my account.
1. does anyone have a sample letter that will help me with this?
2. Who do I send this letter to?( The creditor or the credit reporting agency)?
3. Will these accounts come off my account automatically or will I HAVE to write these letters? Can someone help me with the steps or share their own personal experience with this matter.Thanks

Old negative information should drop off automatically. Most of it falls off at 7 years. Bankruptcies and tax liens remain for 10 years.

You should pull a copy of your credit report once the 7 years has passed. If it's already dropped off (and it usually will) you don't need to to anything.

If it doesn't drop off, a short note to the credit reporting agency should suffice.

Do NOT have any contact with the creditor or any collection agencies about these! That can trigger a "re-aging" of the account. You'd then have a fight on your hands trying to get it removed.

You will not need to request that these accounts be removed - it will happen automatically on the 1st day of the month before it is due to fall off. So, if an account was due to fall off on March 1st, it fell off on February 1st.
Credit specialist
Here's an article that will answer all your questions (and it also includes a sample dispute letter). It's titles "What to do if there are inaccuracies on your credit report". The link is below:
http://financialbasics.blogspot.com/2006...
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