Procedure request letters are essential to the credit repair process. Since 79% of credit reports contain errors, it's important to regularly check your credit reports. You can check your credit report here. Most likely you will find some inaccurate and unidentifiable information reporting on your credit reports. Credit report errors could be the result of typos from the credit bureaus, wrong or incomplete information supplied by your creditors, or a variety of other reasons. If you don't find those errors and dispute them immediately, your credit score can horribly suffer.
Procedure request letters are essential to the credit repair process. Since 79% of credit reports contain errors, it's important to regularly check your credit reports. You can check your credit report here. Most likely you will find some inaccurate and unidentifiable information reporting on your credit reports. Credit report errors could be the result of typos from the credit bureaus, wrong or incomplete information supplied by your creditors, or a variety of other reasons. If you don't find those errors and dispute them immediately, your credit score can horribly suffer.
Don't be at the mercy of your credit report. Let us eliminate all those errors, and allow you to be on your way to financial freedom. Sign up now!
Disputing negative items on your credit report can be done on your own, by contacting the credit bureaus. If your negative items don't get deleted, there is still hope. Here is a step-by-step guide on how to write procedure request letters:
1. Write a procedure request letter asking the credit reporting agency to describe the procedure used to validate your negative items. Ask for the name, address, and phone number of the party that ran the procedure.
2. Attach a copy of their initial verification response (after you disputed the items).
3. Explain your familiarity with the FCRA (Fair Credit Reporting Act), which dictates your right to receive thorough and accurate information from each credit bureau.
4. Use strong words to convince the bureaus that you're making a serious case. Use words like "unverifiable," "misleading," "outdated," and "erroneous." In other words, convince them that you're highly dissatisfied with their inabilities to follow procedure.
5. If you do not get a response from the credit reporting agency within 2 weeks, send them another letter reminding them about the previous procedure request letter you sent them.
6. If the credit reporting agency continues to ignore your requests, send a notice threatening to file a formal complaint with the Federal Trade Commission (FTC). This is called a "Notice of Intent to File FTC Complaint Letter."
Persistence could be the only element coming between you and maintaining a good credit score. However, we understand that writing procedure request letters on your own could be a daunting and intimidating process. That's why Best Legal Credit Repair is willing to do all the work for you.
At Best Legal Credit Repair, we will analyze your credit reports ourselves, and determine (through your unique financial situation) what would be the best course of action. After we dispute all errors and inaccuracies on your credit reports, we will be well-prepared to send out procedure request letters, if the credit reporting agencies dont agree to have them removed. In a matter of 4-6 months, your credit report could be error-free!
It's time to quit being at the mercy of your credit report. After you're done with our credit repair program, you will receive all the education you need in managing your credit report. We are here not only to help you repair your credit but we will also show you how to build credit. Call us toll-free at 1-800-455-9416 or get started in less than two minutes!
