Ever since the Fair Credit Reporting Act was passed in 1970, consumers have been able to dispute negative items on their credit reports. As long as the credit disputes are legitimate, the credit reporting agencies are required to remove those negative items from your credit report. For example, if you have a bankruptcy listed in your credit report that's over seven years old, you are allowed to write a credit dispute letter, asking the credit reporting agency to remove the item. It's all about knowing how to write a credit dispute letter.
Before drafting your credit dispute letter, you must request a copy of your credit report. You're entitled to one free credit report each year. This can be achieved by going to sites like www.annualcreditreport.com or www.freecreditreport.com. Once you receive credit reports from all three credit bureaus (Experian, Equifax, and TransUnion), check for all disputable items.
A credit dispute letter must be professionally written. It helps when you use strong words like erroneous, outdated, misleading, or unverifiable. Do not dedicate too much time to explaining each credit dispute in your letter, as that's not considered useful. You must be sparse, yet effective. Also, it's important that you address all three credit bureaus, even if only one or two credit reports contain the credit disputes. Don't forget to include such personal information as your name, address, and social security number. Include the account name and number you are disputing, as well as supporting documents like paid receipts. Most importantly, you must include a copy of your credit report with the credit dispute letter.
Credit dispute letters should be personalized. Handwritten credit dispute letters are always more effective that ones that are typed out. Make sure you write a separate credit dispute letter for each credit dispute. Start with the credit dispute that is most harmful to your credit. A charge-off account is much more detrimental to your credit than a delinquency on your credit card.
Finally, you must send the credit dispute letter via certified mail. Certified letters can cost between $5.00 and $10.00. It normally takes between two weeks and a month to receive a reply from the credit reporting agency, confirming that the credit dispute letter has been received and that the dispute is under investigation. After another two to four weeks, you should receive an updated credit report with the credit dispute removed. If the credit reporting agencies are slow to respond, send another credit dispute letter as a reminder that they're forced to investigate your credit dispute, under the Fair Credit Reporting Act.
Unless the credit reporting agency can provide stringent proof that the negative item is legitimate, it must be removed from your credit report. The process of writing credit dispute letters can be daunting, to say the least, which is why Best Legal Credit Repair is willing to do all the work for you. With our personalized credit repair, we will evaluate your credit reports and tailor each credit dispute to meet your financial needs. Unlike other credit repair companies, we don't use computerized, automated credit disputes.
At Best Legal Credit Repair, we'll write the credit dispute letters for you. Our credit repair process takes, on average, between four and eight months. You can trust us with your credit disputing needs, as we observe all the laws under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, in addition to working closely with an experienced consumer law attorney. Therefore, all our credit disputes are 100% legal! Don't remain at the mercy of your credit report. Sign up now!
A sample credit dispute letter can be easily retrieved by using your favorite search engine. Sample credit dispute letters can be copied or downloaded online by accessing a variety of websites. If you do decide to write a credit dispute letter yourself, it's important to use credit dispute letter templates.
At Best Legal Credit Repair, we can eliminate the hassle of writing a credit dispute letter. Utilizing our 15 years of experience in consumer advocacy and debt-related markets, our personalized credit dispute letters can get errors, inaccuracies, and negative items removed from your credit report immediately. If the credit reporting agency refuses the remove the item, we will re-dispute the item by subsequent credit dispute letters until the item is removed for good. An average of 8-10 negative items have been removed from our clients' credit reports within three months of signing up!
Sending credit dispute letters is just one of many services we provide at Best Legal Credit Repair. We also offer identity theft protection and help our clients create new credit lines (i.e.: trade lines, unsecured credit cards, secured credit cards). Creating new lines of credit will improve your credit utilization and boost your credit score.
The experienced credit counselors at Best Legal Credit Repair are here to answer any and all questions you may have about credit repair and/or credit disputes. We follow up with each client through every step of the credit repair process. After you're done with our comprehensive credit repair program, you will possess all the tools you need to manage your own credit in the future.
Best Legal Credit Repair has 100% client satisfaction for a reason. In the unlikely event that you aren't satisfied with the results, we offer a money-back guarantee! There is no obligation or hidden fees. You can cancel anytime! Fill out our brief online enrollment form to sign up for your free consultation. It'll take less than two minutes of your time!
