Government Free Credit Report Program
2010
A quick search on the web will turn up an abundance of free credit dispute letters. There are plenty of them. The first place to look is on the FTC’s credit repair page. This website details the basic process of how to repair credit, and they also give you a free credit dispute letter sample that you can use.
Whichever credit letter you want to use, do not stop there. You should find 3 or 4 different free credit dispute letters that you can use. You don’t want to use the same letter template to create all your credit dispute letters with. Finding 3 or 4 templates to use will give you a higher success rate with your letters. It reduces the possibility that the credit bureaus will view your letters as “spam” and throw them out.
Also, you should not use the free credit dispute letters you find without altering them in some simple, minor ways. You should alter a few words, and also use multiple font sizes and styles. Putting in a couple of typos can also make them look more ‘real’. Make certain the letter is legible once you print it! If it is not legible, the person with the credit bureau who has to deal with your credit repair letter will not mess with trying to read it. Additionally, be sure you let the credit bureau know how concerned you are about what is reporting inaccurately on your credit report. Don’t use foul or mean language, but do be staunch.
Whatever website you use for your free dispute letters will likely also give you some useful information you need to put on the letters so that you make your dispute properly. You can also find a website that will allow you to generate the credit dispute letters using free online credit repair software. (I know this because it is exactly what I have worked to create.) This free, online tool uses the same software that major companies use to create your letters for you. The big difference, of course, is that this one allows you to do it yourself–free. This can make your life a lot easier because it will save you the trouble of having to actually write out the letters or use templates. I have seen hundreds of clients improve their scores dramatically using it.
Matthew Wierzbinski is the owner of http://CreditBlossom.com, which offers both written and video instructions on how to repair your own credit. It also offers the public free use of its amazing credit repair letter generating tool, the free and easy Credit Repair Letter Wiz™, which can be found at http://creditblossom.com/Content/LetterGeneratingTool.aspx.
Debt Consolidation Loans – What You Need To Know.
Comment