What You Need To Know About Drafting Credit Repair Letters
What You Need To Know About Drafting Credit Repair Letters
Before you draft out your credit repair letters, it may pay you to look at a sample and then chalk out a draft that will suit your case while drawing on the salient points that need to be included in the letter. As you must well be aware of, the credit repair letters are sent to credit reporting agencies and even to credit bureaus so that they can help you can point out certain inconsistencies in the credit reports, and one of the better places to look for information regarding credit repair is without a doubt the Internet where there are vast number of sample credit repair letters for you to view and draw your own conclusions. In addition, you will also come across a number of software programs that allow you to fill in blanks into preformed credit repair letters that makes your task considerably easier.
Same Process, Different Forms
Regardless of the means you choose for drafting your credit repair letters, the essential process is the same and when you choose to send credit repair letters, you are only taking one step in a process that is meant to improve your credit score. Therefore, before drafting out your credit repair letters, it makes sense for you to first ask for and receive a copy of your credit report, and in this regard, it needs to be mentioned that the laws have made this process considerably easier on you, and if you want to find the website address of different credit bureaus and also sample credit repair letters, then you could visit the Federal Trade Commission's official website.
Having obtained your credit report, it is then up to you to check it for inconsistencies and then report whichever ones you find in your credit report and this process is known as a dispute or even disputed information, and the wording that you use in your credit repair letters is entirely a matter of personal choose, which means you can use your own wordings, or use those from sample credit repair letters.
In any case, you need to provide a date and it is also recommended for you to give your name as well as address and also address the letter to the ‘complaint's department' after which you can then address your letter to the concerned Credit Bureau that has given incorrect information in your credit report. Following this, you can then type out the body of your letter and state what the inconsistencies that you have noticed and also attach any supporting documents to prove your point. You must then ask the Credit Bureau in question to investigate and further correct the erroneous information at the earliest and request that a copy of the corrected credit report be sent to you. You can then sign off with a ‘Sincerely Yours' and sign your name beneath it and hope that your case reaches a desired conclusion based on the facts that you have given.