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Looking for tips on writing effective credit repair letters? As you know, writing a credit repair letter can be very intimidating. Think of this interaction as a mail order court case. You have to assemble a strong case proving the debt erroneous. You must submit this letter in writing, and present it to the consumer reporting agency. The most important factor is clear communication.
Inform the consumer reporting agency what information is inaccurate. You should state this in credit repair letters and also include a copy of your credit report. Copies are a must here, because you must hold onto the originals for your own reference. The letter you write will include your full name, address, paragraphs that explain the disputed item and any other statements that can help you prove your case. After thoroughly explaining the case, you will formally ask the consumer reporting agency to remove the item in question.
Write the letter to the disputes or complaint department of the consumer reporting agency, which is always available by request. You should keep a respectful tone in the introduction as well as the rest of the credit repair letters. As with any legal case, you should focus on facts and evidence. Try to avoid mentioning speculation or hearsay and don’t try to evoke sympathy when you could be establishing fact. Make mention of each attached item, and clearly identify what items serve what purpose in the letter. The letter should end with a request to investigate the matter and delete the disputed item from the record. Following the letter, make an additional note as to how many enclosed documents are included.
Send credit repair letters via certified mail so you can get a receipt. By law, the consumer reporting agency must investigate your case within a 30-day time period. The only exception to this rule would be a case considered “frivolous.” Therefore, try your best to make the case sound professional and avoid any overly-emotional phrasing. After this investigation, the disputes apartment will send you the results in writing as well as a free copy of your credit report, if there has been a change.
What can you do if credit repair letters fail to get the debt removed? You have the right to ask the consumer reporting agency to include your statement disputing the charge with all credit inquiries and on the permanent record. This service is not free of charge but can still be very helpful in improving your creditworthiness.