1] Find any of the thousands of sample credit dispute letters online.
Yes, there are actually hundreds of them available, and from what I have seen, any of them can be used. Just select one and change it to specify your exact account. Be sure to dispute each account in a separate letter [but they can all use the same sample letter.]
2] Customize it to the specific account you want to dispute.
Each letter of credit has a section that contains specific account information for the item you are disputed in the letter. It usually corresponds to the rest of the text by centered writing and/or bold letters. Simply replace the provided sample text with the actual account information for your disputed project.
3] Change the font.
The credit bureau receives thousands of emails a day. They "image" all credit repair letters and compare the letters to each other. If they get the same content over and over again, they will consider this type of letter spam. To separate a letter from the rest of the letter, simply change the font from one letter to the next.
4] Change some wording. [optional]
You can also choose to further distinguish your letters by changing some actual words. Remember, no matter where you receive your form letter, thousands of people may be using the same one. Changing some words will help to make you different. Even including spelling mistakes or grammatical errors can help tell the reader that you are a real person, not some spam machine.
5] Send your letter to the specific credit institution for each account report.
If your account is reported to all three credit bureaus, please send a copy to each credit bureau.
6] Include an ID page - and make sure it is completely legal!
The ID card page requires a clear copy of the driver's license [with the correct address], social security card and utility bill.
7] Mail your credit repair letter.
This is really a self-credit fix. Please also note that sending your own credit dispute letter is the best credit repair path recommended by the Federal Trade Commission. Your only price is the postage!
I have gone through a lot of customers through this exact process, and I see results as good as credit repair services. There is really no reason not to do it yourself!
Orignal From: Credit Repair Express - Seven Tips to Make Your Letters Valid
No comments:
Post a Comment