Tips On How To Write A Free Credit Repair Letter
You’ve decided that you want to try to repair your credit rating, but the cost of having a professional help you has made you stop and reconsider. Good credit is of vital importance, and you should definitely do whatever you can to fix it. Why pay a credit repair service for something you can so easily do with very little trouble? You can write your own free credit repair letter that will probably do more good than one written by a professional, because you’ll be putting a lot of yourself into the letter.
What to Write?
Before you can write a letter, you must first know what to write about. You can accomplish this by getting a copy of your credit report. It’s free for the asking, and you can choose from any of the three major credit bureaus who handle claims in the U.S., although for more through credit repair, you need to get a copy from each. Sometimes the different credit bureaus will each have different information on you, and you want to make sure to review it all before proceeding.
Once you have a copy of your report, sit down and analyze it. What do you see that is bringing down your credit score? Do you see any negative listings that you can definitely dispute? Mark these in such as way so that you can come back to them easily as you write your letter. Another thing you might want to study before writing your letter is a copy of the Fair Credit Reporting Act. You would be surprised as to how many violations you can spot in a typical credit report once you know what to look for เครดิตฟรี กดรับเอง.
In your letter, you should list the negative items from your credit report one by one. Beneath each, clearly state that you are disputing the accuracy of this debt. Be accurate and through as you compose your letter – don’t give the credit bureau any form of reasonable doubt. If it’s written there in black and white, dispute it! You must look out for your own interests in this case.
Be sure to include all pertinent information about yourself in your letter. Of course, you will send the usual name, address, zip code and phone number, but since your information is stored in a computer, other information is needed as well. Your Social Security number is most likely used as an identifier, so make sure you include it. Make a copy of your driver’s license so that your identity will not be questioned.
Make photocopies of the information you are going to send out, and take the time to think how you are going to keep track of the replies that will come in from the credit bureaus if everything is not cleared from your records on the first letter writing campaign you set out on.
Your free credit repair letter will make you sincerely glad that you did this all yourself, for you will have a feeling of satisfaction of a job well done once your credit record is clear and clean.