Once you’ve completed step 1 (reviewing your credit reports) it’s time to draft and send your letters of dispute. The back-and-forth debt validation process can prove a lengthy one, but the potential benefit of deletion is well worth the time and effort. It’s simply a matter of being diligent, patient, and organized in the process. Here's how.
Sample credit repair letters that can be sent to credit bureaus, collection agencies, creditors and others when repairing your credit. Get your sample dispute letters, validation letters, ‘pay for delete’ letters, cease & desist letters, goodwill letters, and ChexSystems letters here.
The Step-by-Step Guide to Clean and Repair your Credit Report
A step-by-step guide to help you clean and repair the errors on your credit report...Nobody’s perfect. You aren’t and neither am I. But neither are the credit bureaus who compile your credit history or the creditors who report to those bureaus. If you have some splotches on your credit report the odds are that at least some of those black marks are there by mistake....
The Sweeping Changes That Could Raise Your Credit Score
Under a major overhaul by the credit bureaus announced Monday, unpaid medical bills will be treated differently and errors on your credit report could become easier to fix. The changes, applauded by consumer advocates, come as a result of an agreement between the big three credit bureaus, Experian, Equifax and TransUnion, and New York Attorney General Eric [...]
Like it or not, cleaning up your credit often means writing letters to credit bureaus, creditors, and collection agencies. Fortunately, you need not pay a lawyer or a credit repair company to do it for you. But you also need not start from scratch. Here you’ll find links to several credit repair letter templates you can tweak and use for free.