Credit Dispute Letter – Covering All Bases!
Free Credit Dispute Letter
Ok, so you want to dispute your own credit perfect! Then yes you will need to know how to write a credit dispute letter. Before we go there, I want to highly recommend that you watch the above video.
I used to create my own credit dispute letter back in the day, and the response from the credit bureaus was not always the greatest. It seems like they would take their sweet time too getting back to you.
The service I use above will handle all that for you. It is a real law firm that will write these disputes on your behalf. Let me tell you something, they will get results. I’ve had over 50 items deleted from my credit reports. Liens, Charge-off’s, late payments, collection, you name it I’ve had them deleted.
Now luckily I never had a bankruptcy or foreclosure, but I know people that have. These guys had those items removed in months. I’m not kidding! It works. You don’t have to do any work whatsoever. All you need to do is submit your credit reports to them, and they will handle the rest. I’ve been with them for the last 10 years. My credit was cleaned up the first year, but I’ve been with them ever since, because YES it is that great of a service!
Credit Dispute Letter – The Old Way…
Alright, so the Internet has changed how we do things. Now you still have the option to hand-write and mail off your credit dispute letter. I have given you two samples of letters you can send off below.
There is not enough to it. Just remember they don’t want to hear excuses, you want to be short and to the point. You need to state the facts and back it up with proof. Now how do I say this without sounding shady.
If items do belong to you, and you try to dispute them, they are just going to verify they belong to you. It is as simple as that. It’s going to take more then a credit dispute letter to get those items removed from your credit reports. However, it can happen. Just watch the video above. All those items DID belong to me, yet they were able to delete them off my record. The best part I did not write one single credit dispute letter.
Credit Dispute Letter to the Bureaus
The first letter that you see below is a simple credit dispute letter that you would send off to the three credit bureaus. It’s very simple you list the items in question for that specific bureau, the reason you are disputing them, and you sign it with your social security number at the bottom.
It really is that easy. You will get a response in the mail in about a month. Usually they will just verify the item belongs to you. It will take you about 4 to 5 times, before you get the response your looking for. Hopefully your time is worth more than that and you check out the video above.
Credit Dispute Letter to the Company
Now, here is a credit dispute letter to the company itself. When I say company it might be a hospital, credit card company, department store, leasing company, or anybody else you might have credit with.
To write the credit dispute letter the steps are the same as above. In this case though, chances are that you are just disputing one item. In that case provide as many details as possible. Including the account number, balance, past due balance, etc.
Just state the facts, provide proof, and ask them to fix the error with the credit bureaus and let you know when they have done so. Pretty simple!
The Best Way To Write a Credit Dispute Letter….
The best way is not to do it at all! AS I stated earlier, check out the service in that video. If you don’t want to do that, then you can write a letter like I gave you above. However, with the way things have changed on the Internet you can now simply file your dispute online. Yes it is that easy. You can see a sample of that in the screen shot below:
Yes, it really is that easy. So no need to write a credit dispute letter, unless you really feel like writing. For those of you that do want to write them anyways, I will provide you with the three addresses below.
P.O. Box 7404256
Atlanta, GA 30374-0256
P.O. Box 9701
Allen, TX 75013
P.O. Box 2000
Chester, PA 19022-2000
Dispute Credit Letter Online:
For those of you that would like to submit your credit dispute online, I’ll provide you with the website address to do so.
What else can I do for you? Do me a favor and check out the video above. You will absolutely love that service, I promise. So get out there and get your dispute credit letter submitted one way or the other.