To Whom It May Concern:
Please immediately correct these accounts:
1) [creditor/collector name (account # if multiple accounts with same name on the report)] – please report the DATE CLOSED, no later than when I filed for bankruptcy in [month/year]
2) [creditor name] – please report this [auto loan/ mortgage] as open and current, it was NOT included in my bankruptcy and I am making my timely monthly payments. [or “I never paid late” if you never were 30 days or more late]
Sincerely,
[your name / signature]