But what if you’ve already had a problem and you’re trying to repair or improve a less than stellar FICO or credit score?
Well, some people prefer to learn about the system and to gradually and effectively improve their own credit. Our Credit Repair Intelligence Guide helps you with that. And, it can be ordered right here.
But other people make the decision to use a credit repair company to help them. And one of the things that credit repair companies help you to do are dispute letters that can clarify errors on your report and get them corrected OR removed. NOTE: The Credit Repair Intelligence System also has a tool to help DIYers to do dispute letters.
Either way, here are a few things you want to ensure are included in every dispute letter you or your credit repair company send.
1) Make sure every dispute letter contains the accurate spelling of your first and last name. You should also include your social security number and current home address to avoid confusion.
The credit bureaus won’t resolve a dispute unless they can verify the consumer who the dispute is related to.
This means you or the credit repair company must clearly identify yourself in the letter.
2) The credit bureaus may also require you or the credit repair company to supply supporting documentation verifying identity. They may, for example, want to see your Driver’s License and/or Social Security Card.
NOTE: If you don’t have a driver’s license, you can include another legal form of ID. Other acceptable forms of ID include a passport or state ID.
In many cases your clients can use a pay-stub or W2 form which have both their name and social security number on them.
3) You (or the company) should also include the account name and account number on the dispute letter.
Sometimes creditors report separate account numbers to each bureau. Look at each account number for each credit bureau you are disputing. Make sure you have that creditor’s specific account number correct on your dispute letter.
In conclusion, whether you’re preparing the letter, or the credit repair company is doing it, be sure to include these items with your dispute to have the best results.
And remember, it’s the REASON for the dispute that the bureaus and their computers will mainly look at to process your disputes, so insure you are clear about your reason for the dispute.
Don’t want to create dispute letters on your own? Keep in mind, Credit Repair Intelligence Guide also gives you access to a dispute letter generator. Need more help? Email me at firstname.lastname@example.org and we can refer you to a reputable third party credit repair company that has an outstanding processing department that can create, print and mail the letters for you.
CLICK HERE: to learn more about CR Publishing’s products related to building better credit.
Click here to buy the CREDIT REPAIR INTELLIGENCE System and to get access to the dispute generator.
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