Credit Dispute Letter

( Credit Dispute Letter is NOT a credit repair service. I have set this up to help my clients who have substandard credit help themselves. You should start improving your credit at the begining here ... I just give advise freely ... as long as you promise to stick it to the banks! )

Credit Dispute Letter - This can be the hardest stage of the process but it can also be the most fulfilling. This is when you can actually erase much of the bad credit you've spent a lifetime accumulating.

"But wait!", you say. "Those delinquencies and charge offs are pretty much accurate."

Don't fret about it. Getting those bad items totally removed is neither illegal, immoral or fattening. Federal law says the credit bureaus have 30 days to verify any items that you dispute, often that just isn't enough time. Any items not veried are then deleted permanently.

You will however need to put in a lot of time and preparation. That is why I usually recommend that people let a professional handle it for you. The folks at the banner below are downright cheap (about $40 a month for the few months that you need to do the job right). If you are up to writing and following up on a credit dispute letter I've got the formula for success right here.

Along with the good credit reports coming from your new credit cards you can expect significant improvement in six months and you will be Mr./Mrs. Goodcredit within a year.

The Credit Letter:

I have prepared a sample letter that you can download and edit as a Word document. You can then customize it with your personal information and the details of all your bad credit accounts. Don't be shy, add any and all accounts that reflect badly on you even if they are accurate. Remember that not all of these accounts will be deleted right away so you want to knock off whatever you can. This is when you need to have your three bureau credit reports because not every credit bureau shows the same derogatory items. Customize each letter to each of the three bureaus. However a good letter isn't enough...

click here to download Credit Dispute Letter

Addresses:

Experian

P. O. Box 9595 [see note], Allen, TX 75013-9595 Tel: 888-397-3742

Note: Experian has a long history of changing its mailing address periodically, so the mailing address provided may not be accurate.

Equifax

P. O. Box 740241, Atlanta, GA 30374-0241 Tel: 800-685-1111

Trans Union

P. O. Box 1000, Chester, PA 19022 Tel: 800-888-4213

Remember when customizing your letters to include first, middle and last name; current address; previous addresses for past two years; social security number, date of birth & phone number.

Certified Letter/Signature Required:

Now that you've customized and printed out three perfect credit letters to the three credit bureaus, you need to get those letters into the right hands in the right way. It is imperative that you send those letter Certified Mail with a Signature requirement. You see the key to your success is that these bureaus have thirty calendar days from the time they get your letters to investigate your claims with the creditors. If the letter gets stuck in processing too long at any point of the way any claims that haven't been proven accurate by the creditors have to be removed by law. That is your edge.

The Follow-Up:

In about thirty days you will get a letter from one of the credit bureaus stating that numerous credit items have been deleted from your report. Over the next couple weeks you will get revised credit reports from each bureau. Now when you pull your credit scores again, they will be greatly improved. However, now you need to make new letters using the same template that I've proved and send them back out with the remaining items. Keep doing this a few times and gradually most of your bad credit items will be gone for good. Once removed they can never come back. This is your chance to start over again...don't waste it.

Time 2 Lighten Up A Bit:

Okay, this can be heavy stuff so here is one of my favorit jokes. It is very off-color but we are all adults here, right? Anyway if you are very prudish , startg on your letter...the rest of you gather 'round.

You see, this bunch of bikers are hanging around there favorite dive bar late at night when this incredibly old lady pulls up on a Harley. She looks like the Crypt Keeper with a silver Eva Gabor wig on and she's got biker leather on, head to toe,

"Hey Boys, I wanna' join your biker gang. How's about it?"

The bikers bust a gut laughing until Paolo, the biker leader, hushes them up and huddles. "Hey guys, lets have some fun with the old lady, okay."

"Yea, old lady, sure, you can join our biker gang...but first you have to take a test to make sure your BAD enough." Paulo scowled.

"Sure, bring it on boys. I'm the toughest granny this side of Encino." She cackled back to the biker boss.

"Okay old lady, first question: Have you ever drank cheap wine?" Paolo sniggered.

"DRINK CHEAP WINE...shit boy I drink Wild Turkey from a broken bottle with my muffins at breakfast! It's cheap if you steal it." She cackled.

"Wooo, okay old lady you are tough..." Paolo mocked, then thought of a tougher question. "Okay, but have you ever...smoked pot?"

The old lady laughed, "I smoke pot, I grow pot and I SELL POT TO KIDS AT THE DAYCARE CENTER...TOUGH ENOUGH COMPADRE?"

Now Paolo was taken aback. He pulled his biker buds together, "Hmmm, this ones gonna have to be real tough..."

"Okay old lady, if you wanna be in our biker gang, one more question. Have you ever been picked up by the Fuzz?"

She looked perplexed, then she looked up.

"Well no...but I've been swung around by the tits a few times!"

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