Credit Repair – How to write a dispute letter?
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Credit Repair – How to write a dispute letter?
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Are you happy with your credit report? If your score is 700 or above, you might be but if it is 600 or
below, you should worry because you will be paying more when you try to get a loan or purchase
something.
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Before you can write your credit repair dispute letter, you must first a copy of your credit report. You
can get this for free from one of the three credit agencies namely Equifax, Experian or Trans Union.
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When you get the copy, review it carefully and check if there are any errors. Take note of each one
and then being composing your letter.
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Since the credit agencies gave you the report, the errors you want to dispute must be addressed to
them. Since the report from the three credit agencies may be different, it will be a good idea to send
each one a copy so everyone is on the same page with regards to your credit standing.
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Don’t make the mistake of putting all the errors in one letter. It is best to dispute each claim one at a
time so the credit agency will not think that you are simply pulling their leg.
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You should give the credit agency time to reply to the claims you have disputed. This is because the
credit agency will conduct their own investigation before sending you a reply.
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Credit Repair – How to write a dispute letter? (Continue…)
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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.
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To prove a point, it is best to use strong words like erroneous, outdated, misleading or unverifiable.
Remember, you don’t have to explain in detail why you are complaining because the supporting
documents and an investigation will make the truth come out.
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For people who have never written a dispute letter before, there are some samples which you can
copy online. Just change the name, the date and a few other details because your concerns are
different from what was laid down as a guide.
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When you finished writing the credit repair dispute letter, mail it using the postal service and just
wait. Normally, it will take 2 week to a month before they receive it. If the investigation has shown
that you are right, you will receive a new credit report 2 to 4 weeks later with a higher credit score.
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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 report.
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Now that you know how to write a credit repair dispute letter, get a copy of your credit report and
then review it thoroughly.
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