Sample Credit Repair Letters - Repair Your Credit With These Sample Letters For Credit Repair
Credit repair is the process of getting your credit bureau report corrected when it shows any discrepancies or negative information , so that you can get an accurate and highest possible rating. It gives a chance to the debtor, which is you, to start afresh, when faced with an overwhelming debt situation.
Are you facing unmanageable debts and have you got a very degrading credit report you want to dispute? If you want to do your credit repair yourself, what is the procedure to follow? First, you will need to plan about how you will respond to the communication from them and have a proper system of follow-up to get what you want from them. It will be a great help if you have some tips and sample letter for credit repair that can be used for this purpose.
Every letter from you to your creditors or the credit bureau should carry an assertive tone. You should sound polite and at the same time, resolute. You can also indicate to them that you are aware of your consumer rights and will not hesitate to take legal action, if your rights are violated. It will be a good idea to tell your creditors upfront that you are amenable to a give and take settlement policy - that is you are prepared to pay your balances and at the same time you expect them to remove negative/ damaging information from your credit report.
Here are some ready-reckoner sample letters for credit repair that will come in handy during your credit repair course of action. The top and bottom portions will be the same. Only the subject will be different.
Date
To address
1)
Re: Credit report request
To whomsoever it may concern
I request you to send me a copy of my credit report. Find enclosed the payment for the same.
2)
Re: rectify incorrect credit information
To whomsoever it may concern
In the credit report that I received, I have observed some inaccurate information. In the attached copy of the credit report, this has been highlighted. I am providing the correct information below:
Keeping in view the provisions of the Fair Credit Reporting Act of 1996, I want all the incorrect information to be removed and all the inaccurate information to be corrected in my credit report. As stipulated in the above said Act, inform me when the changes are completed and resend the updated copy to me, at no extra cost.
3)
Re: Payment settlement and Credit file update of account number ####
Dear xxxxxx, (Note: name of the officer from the credit card company who spoke to you)
As per the telephone conversation/ meeting with you on (date), I would like to confirm the following.
I agree to pay $#### as full and final settlement towards my account. Once this payment is received by you, you have agreed to change the negative information like
------------------------------------ to -------------------------------
Please confirm the above by sending a signed copy of this letter to me. I will send the payment once I receive this letter from you.
Signature of officer
Name of officer
Credit company name and address
Sincerely,
Name
Social security number
Address
So, have these sample letters for credit repair given you a drift of what their tone and content should be like? Yes? Then start writing your letters and good luck with your credit repair!
Learn to repair your credit by obtaining a Click Here To Visit My Free Credit Reports
View Your Scores & Reports Free Within 6 Minutes From Now!
Second: Sign Up For FREE Triple Safeguard Credit Monitoring
Most importantly unlike other monitoring systems there is no cost involved! You never need to pay anything!
Now Pay Close Attention --
One bad mark on your credit report can ruin your score. But now there are two reasons you don't have to suffer through a bad credit score:
[Reason #1] Under FACTA, you have the right to obtain one FREE COPY of your credit report from each of the three major credit bureaus every 12 months.
[Reason #2] With FREE Triple Safeguard Credit Monitoring with email alerts, you'll stay in touch with your creadit report for free.
My Free Credit Reports has been providing free credit reports and scores from all three major credit bureaus since 1997. And FREE Triple Safeguard Credit Monitoring has been tried and tested and known to produce excellent results.
First:
Are you facing unmanageable debts and have you got a very degrading credit report you want to dispute? If you want to do your credit repair yourself, what is the procedure to follow? First, you will need to plan about how you will respond to the communication from them and have a proper system of follow-up to get what you want from them. It will be a great help if you have some tips and sample letter for credit repair that can be used for this purpose.
Every letter from you to your creditors or the credit bureau should carry an assertive tone. You should sound polite and at the same time, resolute. You can also indicate to them that you are aware of your consumer rights and will not hesitate to take legal action, if your rights are violated. It will be a good idea to tell your creditors upfront that you are amenable to a give and take settlement policy - that is you are prepared to pay your balances and at the same time you expect them to remove negative/ damaging information from your credit report.
Here are some ready-reckoner sample letters for credit repair that will come in handy during your credit repair course of action. The top and bottom portions will be the same. Only the subject will be different.
Date
To address
1)
Re: Credit report request
To whomsoever it may concern
I request you to send me a copy of my credit report. Find enclosed the payment for the same.
2)
Re: rectify incorrect credit information
To whomsoever it may concern
In the credit report that I received, I have observed some inaccurate information. In the attached copy of the credit report, this has been highlighted. I am providing the correct information below:
Keeping in view the provisions of the Fair Credit Reporting Act of 1996, I want all the incorrect information to be removed and all the inaccurate information to be corrected in my credit report. As stipulated in the above said Act, inform me when the changes are completed and resend the updated copy to me, at no extra cost.
3)
Re: Payment settlement and Credit file update of account number ####
Dear xxxxxx, (Note: name of the officer from the credit card company who spoke to you)
As per the telephone conversation/ meeting with you on (date), I would like to confirm the following.
I agree to pay $#### as full and final settlement towards my account. Once this payment is received by you, you have agreed to change the negative information like
------------------------------------ to -------------------------------
Please confirm the above by sending a signed copy of this letter to me. I will send the payment once I receive this letter from you.
Signature of officer
Name of officer
Credit company name and address
Sincerely,
Name
Social security number
Address
So, have these sample letters for credit repair given you a drift of what their tone and content should be like? Yes? Then start writing your letters and good luck with your credit repair!
Learn to repair your credit by obtaining a Click Here To Visit My Free Credit Reports
View Your Scores & Reports Free Within 6 Minutes From Now!
Second: Sign Up For FREE Triple Safeguard Credit Monitoring
Most importantly unlike other monitoring systems there is no cost involved! You never need to pay anything!
Now Pay Close Attention --
One bad mark on your credit report can ruin your score. But now there are two reasons you don't have to suffer through a bad credit score:
[Reason #1] Under FACTA, you have the right to obtain one FREE COPY of your credit report from each of the three major credit bureaus every 12 months.
[Reason #2] With FREE Triple Safeguard Credit Monitoring with email alerts, you'll stay in touch with your creadit report for free.
My Free Credit Reports has been providing free credit reports and scores from all three major credit bureaus since 1997. And FREE Triple Safeguard Credit Monitoring has been tried and tested and known to produce excellent results.
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