How to write effective credit report dispute letter


As a provider of affordable credit repair,
we get asked a lot of questions regarding writing credit report dispute letters, such
as “How do I write a dispute letter?” or “How do I do it myself?”, so this video
will cover the contents of an effective credit report dispute letter, and what it looks like
so you can construct one of your own. You should be aware the credit reporting agencies
are massive corporations and have spent a lot of time and money doing their job, which
is selling your credit report data. They also have spent a lot of money learning
how to avoid credit repair letters and your credit report dispute letters. Don’t be
surprised if your first efforts fail, or if the credit reporting agencies don’t respond,
– or – if they stall you with some nonsense, or claim they verified an item when they did
not. So lets start by saying you went to annualcreditreport.com,
and got a free copy of your credit report sent to you. When you looked at it, there
were 2 accounts you know don’t belong to you, lets say an account with a local veterinarian,
and a collection company collecting the veterinarian account. Start your letter by knowing who you are sending
the letter to, date it, and include their address like this: Then get right into it and be direct, list
the name and account number of the items you are disputing like this: Then sign, and date your letter, but you also
need to include your identifying information, such as name, address and social security
# like this: It’s that simple! Make sure your penmanship
is readable, then make a copy for your own records and mail your signed letter to the
bureau. Sometimes its helpful to include a photocopy of your drivers license. If your letter has too many irrelevant details
and sounds like a story, then you are doing it wrong. Don’t write a letter that tells a sad story;
“Those accounts belong to my ex wife, it happened when I stayed too long at the bar, when I
got home she was MAD and had her stuff packed up – and said she wanted a DEEE-VORCE, then
she STOLE my truck and ran over her OWN dog on the way out!, Well – I did take the poor
dog to the vet but it was HER dog and HER vet bill!” Don’t do that! Keep it simple and get right
to the point: “It’s not my account, please take it off my credit report.” So if you get
frustrated, don’t waste a lot of time on it Don’t call them on the phone. Don’t dispute
it online, – you will waste time, and you won’t get what you want. If it doesn’t
work, just hire a credit repair services professional. It’s affordable and will save you time. Thank you for watching, and good luck. (Captioning
by http://www.LegacyLegal.com)

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