Wednesday, April 8, 2009

Credit Repair: Sample Dispute Letter to Credit Agency

In order to fix your credit, there are some things that you should know. First you have to get a copy of your credit report. And if you see any discrepancies at all, then you should report it to the credit bureaus, you know the big 3, TransUnion, Equifax, and Experian. Make sure you get a credit report from all three agencies.

One you have the credit report; write a letter to all three of the credit bureaus. Make sure to include your information and the information of the account. Be sure to tell why you are disputing the account and what proof you have.

The credit bureaus have 30 days to respond to your claim. Make sure that you only handle one item at a time. When you type your letter sign your name in blue ink.

It is very important that you send all of your correspondence by certified mail. Make sure you choose the signature confirmation option too. Sending letters through certified mail allows you to have proof that you mailed a letter and when they received it.

Make sure you make a copy of the letter that you are sending them. Please save a copy on your computer, and save a hard copy in folder. You should also invest in a zip drive to save all letters on here too in case something goes wrong with your computer.

Below is a sample letter that you should send to the big 3. This is to remove inaccurate information.

Sally Jackson
1349 Your Street Address
Salt Lake City, UT 01234

The Credit Bureau Name
Bureau Address
City Here, State Zip code

Date goes here

Dear Credit Bureau,

This letter is a formal complaint that you are reporting inaccurate credit information.
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a (ABD Car LOAN), which has negatively impacted my lifestyle

(You can include your proof here or not).

I'm sure you'll agree it needs to be removed ASAP The following information therefore needs to be verified and deleted from the report as soon as possible:
CREDITOR AGENCY, acct. 2900-44444-124
Please delete the above information as quickly as possible.

Your signature goes here
Your Name Goes Here
SSN# 110-67-2344

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