How to Write a Credit Repair Dispute Letter

Are you contented with your credit report? If your score is 700 or above, you may well be but if it is 600 or under, you should worry since you will be paying more when you try to get a loan or purchase something. If you think that your credit score should be higher, you should know how to write a credit repair dispute letter.

Before you can write your credit repair dispute letter, you need to first a copy of your credit status. You can obtain this for free from one of the three credit agencies namely Equifax, Experian or Trans Union.

When you get the copy, review it carefully and check if there are any errors. Take note of every one and then being composing your letter.

Since the credit agencies gave you the report, the errors you would like to dispute has to be addressed to them. Since the report from the three credit agencies may vary, it can be a good idea to send each one a copy so everybody is on a similar page relating to your credit rating.

Don’t make the mistake of putting all the errors in one letter. It is most beneficial to dispute each claim one at a time so the credit agency will not think that you are simply pulling their leg. You do not have to wait for an answer before sending another one it’s just that each claim must be handled delicately so a proper investigation into the matter can be achieved.

You should afford the credit agency time to reply to the claims you have disputed. The reason for this is the credit agency will conduct their own individual investigation before sending you a response. To make their work a little easier, send maintaining documents when you write the credit repair dispute letter.

It may not be a big deal but when you write a letter to the credit agency, consider writing it rather than typing this and printing it on paper.

To prove a point, it is better to use strong words like erroneous, outdated, misleading or unverifiable. Remember, you do not have to go into detail well why you are complaining because the maintaining documents and an investigation will make the truth come out.

For individuals who have never written a dispute letter before, the’re some samples which you can copy online. Just change the name, the date and a few other points because your concerns are completely different from what was established as a guide.

When you finished writing the credit repair dispute letter, mail it using the postal service and just wait. Typically, it may need 2 seven days to a calendar month before they receive it. If the investigation has demonstrated that you are right, you will receive a new credit status 2 to 4 weeks later with a higher credit score.

Since 1970, the Fair Credit Reporting Act of FCRA has been in place to give people the opportunity to dispute the claims that are printed on their credit status. If you believe that the report is false, do not just accept it but take steps so this can be changed.

Now that you know the way to write a credit repair dispute letter, get a copy of your credit report and then review it thoroughly.

Keith has been writing articles online for nearly 4 years now. Not only does this author specialize in credit repair but you can also check out his latest video on Car Accident Claim. Help is not hard to find for Accident Injury Compensation if you look hard enough. Keith’s video has lots of information on Whiplash Compensation and is available for any questions you may have.

2 comments

  • Haidee says:

    Finding credit repair business is as easy as 1-2-3 but deciding which is the most reputable is really hard.

  • admin says:

    @ Haidee

    I agree with you. That’s why it is very important to research and compare each before deciding to apply.

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