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| The Self Credit Repair CheatSheet System |
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| Consumer | Victory | Credit.com |
| www.CreditRepair-Website.com |
How to Write Letters to the Credit Bureaus - The Right Way
When you received your credit report, we suggest that you to circle any incorrect and Under
the Fair Credit Reporting Act (FCRA), you have the right to dispute the completeness and
inaccuracy of information in your file. Once you contact the bureaus to dispute information,
the agency must investigate and record the current status of the disputed items within a
“reasonable period of time”, unless it is perceived as “frivolous” or “irrelevant”. If the bureaus
can’t verify a disputed item within 30 business days (eight weeks), they must delete it. Follow
the steps below carefully, and you will have the highest chance of success for removing
information from your report.
The bureaus do not like people who try to repair their own credit, and consider them to be
“frivolous”. The goal is to not draw any unnecessary attention to yourself. Use the sample
letters that we have included in this course to send to the bureaus, and follow the following
rules:
1. Always be polite and professional. Any indiscretions will be put on your record permanently.
2. Using a typed form letter, or a fill-in-the-blank letter will draw unwanted attention. We
suggest that you handwrite the letters, repeat hand write the credit repair letters. Try not to
copy the letters word-for-word. Try rewriting it slightly to reflect your situation. Letters from
attorneys, on their letterhead may also draw attention. Use plain paper, handwritten letters
and envelopes in this process.
3. Never give more information than is necessary. You may unknowingly verify negative
information. The bureaus will keep a record of all of your correspondence, and they may take
something you write and use it against you later. Keep your letters to a minimum of one page.
4. Do not discuss any other disputes you have made. The bureaus may “flag” you, and
consider all future correspondence to be “frivolous” or “irrelevant”.
5. Send your letters via Certified Mail, Return Receipt Requested. By law, they are required
to investigate a claim, and report back to you within a “reasonable period of time”. (A
reasonable period of time is usually considered to be within 30 business days from receipt of
your letter). If they do not respond within that time, the item in dispute must be assumed to be
unverifiable, and must be removed from your credit report. The return receipt informs you of
when they received your letter, and lets you know when to contact them to tell them that the
reasonable time has passed, and by law must be removed.
6. Do not challenge multiple items in one letter. Challenge only one item per letter. If you
send a letter with multiple disputes, it will most likely grab the attention of somebody at the
bureaus. One item per letter, always – this is crucial!
7. When you challenge each item, challenge it with all three bureaus at once. For example, if
you are challenging a 90 day lateness on your Master Card, write the same exact letter
(except for the contact info of the bureau) and send it to all three (in separate envelopes) on
the same day.
8. Do not Challenge more than one item per day. It is best to wait a few days between letters.
But if you are in a hurry, never send more than one challenge out in a day. Remember, the
idea here is to not draw unwanted attention to yourself.
9. If you are married, you should simultaneously follow the same procedures with your
spouse, as you may have loans together now, or will be applying together in the future. And,
if you are disputing something on your report, and it appears on your spouse’s report as well,
the bureaus will notice, and it could cause problems. If you are both sending a letter about
something on both of your reports, send two letters simultaneously. Do not send one letter
out for the both of you. In other words, you would send out 6 letters that day – 1 to each
bureau from the husband, and 1 to each bureau from the wife. (6 total) The husband should
sign his, and the wife should sign hers.
We suggest you use the letters given in our credit repair kit at all times to follow the exact
credit account dispute procedures. These letters and methods have been examined, and
most importantly, tried and proven to work before. If you venture out on your own, you may
inadvertently cause problems. But if you do, follow these rules:
I Your letter must be clear and specific, or the bureau will return your letter for more
information.
II Your letter must inform the bureaus of what the desired outcome is, following the
investigation. For example, your letter should tell the bureaus if you want them to delete the
entire listing, or the negative information about the listing.
III Your letter must have an explanation and proof for your claim. If you don’t tell the bureaus
why it is wrong, they will ignore or deny your dispute. Make sure that you do not take
responsibility for the item.
IV Do not try to sound like an expert, claiming to know all of the laws and all of your rights.
Now that you know the basics for writing the letters, let’s start repairing your credit!
the Fair Credit Reporting Act (FCRA), you have the right to dispute the completeness and
inaccuracy of information in your file. Once you contact the bureaus to dispute information,
the agency must investigate and record the current status of the disputed items within a
“reasonable period of time”, unless it is perceived as “frivolous” or “irrelevant”. If the bureaus
can’t verify a disputed item within 30 business days (eight weeks), they must delete it. Follow
the steps below carefully, and you will have the highest chance of success for removing
information from your report.
The bureaus do not like people who try to repair their own credit, and consider them to be
“frivolous”. The goal is to not draw any unnecessary attention to yourself. Use the sample
letters that we have included in this course to send to the bureaus, and follow the following
rules:
1. Always be polite and professional. Any indiscretions will be put on your record permanently.
2. Using a typed form letter, or a fill-in-the-blank letter will draw unwanted attention. We
suggest that you handwrite the letters, repeat hand write the credit repair letters. Try not to
copy the letters word-for-word. Try rewriting it slightly to reflect your situation. Letters from
attorneys, on their letterhead may also draw attention. Use plain paper, handwritten letters
and envelopes in this process.
3. Never give more information than is necessary. You may unknowingly verify negative
information. The bureaus will keep a record of all of your correspondence, and they may take
something you write and use it against you later. Keep your letters to a minimum of one page.
4. Do not discuss any other disputes you have made. The bureaus may “flag” you, and
consider all future correspondence to be “frivolous” or “irrelevant”.
5. Send your letters via Certified Mail, Return Receipt Requested. By law, they are required
to investigate a claim, and report back to you within a “reasonable period of time”. (A
reasonable period of time is usually considered to be within 30 business days from receipt of
your letter). If they do not respond within that time, the item in dispute must be assumed to be
unverifiable, and must be removed from your credit report. The return receipt informs you of
when they received your letter, and lets you know when to contact them to tell them that the
reasonable time has passed, and by law must be removed.
6. Do not challenge multiple items in one letter. Challenge only one item per letter. If you
send a letter with multiple disputes, it will most likely grab the attention of somebody at the
bureaus. One item per letter, always – this is crucial!
7. When you challenge each item, challenge it with all three bureaus at once. For example, if
you are challenging a 90 day lateness on your Master Card, write the same exact letter
(except for the contact info of the bureau) and send it to all three (in separate envelopes) on
the same day.
8. Do not Challenge more than one item per day. It is best to wait a few days between letters.
But if you are in a hurry, never send more than one challenge out in a day. Remember, the
idea here is to not draw unwanted attention to yourself.
9. If you are married, you should simultaneously follow the same procedures with your
spouse, as you may have loans together now, or will be applying together in the future. And,
if you are disputing something on your report, and it appears on your spouse’s report as well,
the bureaus will notice, and it could cause problems. If you are both sending a letter about
something on both of your reports, send two letters simultaneously. Do not send one letter
out for the both of you. In other words, you would send out 6 letters that day – 1 to each
bureau from the husband, and 1 to each bureau from the wife. (6 total) The husband should
sign his, and the wife should sign hers.
We suggest you use the letters given in our credit repair kit at all times to follow the exact
credit account dispute procedures. These letters and methods have been examined, and
most importantly, tried and proven to work before. If you venture out on your own, you may
inadvertently cause problems. But if you do, follow these rules:
I Your letter must be clear and specific, or the bureau will return your letter for more
information.
II Your letter must inform the bureaus of what the desired outcome is, following the
investigation. For example, your letter should tell the bureaus if you want them to delete the
entire listing, or the negative information about the listing.
III Your letter must have an explanation and proof for your claim. If you don’t tell the bureaus
why it is wrong, they will ignore or deny your dispute. Make sure that you do not take
responsibility for the item.
IV Do not try to sound like an expert, claiming to know all of the laws and all of your rights.
Now that you know the basics for writing the letters, let’s start repairing your credit!
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