Raise credit score and you have to write a dispute letter in order to accomplish this. You simply cannot deal with the major credit reporting agencies any other way. Sure, you can call them-this is a joke-because even if they answer the telephone they can't do anything to correct reporting errors without written documentation of your request.
Imagine your cousin or somebody who doesn't like you very much. What would happen if they called Experian and impersonating you, asked for information about your credit report. Can you imagine the chaos we would have in the credit reporting field? Can you imagine how that might compromise your confidential credit information?
All complaints or challenges to your credit file must be done through the process of a formal written dispute letter. You may think this is hard to do and several people have commented that drafting a dispute letter is simply too hard to accomplish, but there is nothing fancy or formal about the process. There is no form and there is no standard letter that will get you results over another.
If you have an online credit repair software, like AVAIL Credit Coach, some of these clean credit programs will write a dispute letter for you. Not only that, you will have the letter addressed to the right location and to the right department. Sometimes figuring out where to send your letter is the most difficult process.
In your letter make sure you specifically note the account you are disputing. Let the company know that the erroneous account is being reported in your credit report and spell out the reason for your dispute. Do not write long pages about your uncle who died and your aunt who used to live at your address.
Make sure you write a dispute letter to each credit reporting agency. Experian, Transunion and Equifax. They are competitors and each of them will have different information they have gathered from you.
When it comes to an explanation of what your reasons are, be short and concise. A one sentence remark, explaining the reason for your challenge will be enough. You should indicate that any information corresponding to your challenge is also enclosed. If you have canceled checks or a receipt as proof of your claim then this will hasten your success. If though you are just complaining, expect the credit reporting bureau to investigate and more than likely deny your claim.
The Fair Credit Reporting Act allows for consumers to dispute their credit file. You can do this as many times as you wish, however be prepared to get a response that your claim is frivolous. This basically means that the bureau thinks you are wasting their time. Does this mean that you are finished? No, it does not.
Press on if you believe you are correct. Send a letter asking for not just verification, but for a validation of their claim. Ask for a copy of the store receipt showing your signature. You are entitled to this as part of your dispute and they must comply or they are in violation.
Raise Credit score-write dispute letter. Would you like a Credit Repair Software that will help you to raise credit score? One that will write dispute letters for you? All you have to do is sign and mail. A clean credit software so sophisticated, you are going to be amazed at how easy it will be to increase your credit score. Check out the best way to learn raise credit score. It's affordable and secure.
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