How to Personalize Your Credit Dispute Letter

If you have not downloaded a copy of our DIY Credit Dispute Guide the please visit our Home page to download it for FREE.


The dispute letter templates that we provide in our DIY Credit Dispute Guide are basic letters for each of the credit bureaus and you can personalize and customize them to fit your needs. If you really want to get the credit bureaus attention and let them know that you are serious about resolving the issues on your credit report, then it is best to give the letters your own personal touch. This will let the bureaus know that it is you who is sending out these letters and not a credit repair company. They seem to take these letters a lot more seriously. If you have any questions about personalizing your dispute letters, then please don't hesitate to contact us.


Below is an example of how you could personalize your letter:


Example 1:

Dear Credit Bureau:


I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report:


Creditor: Account: Reason:


I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.



Thanks.



Example 2:


Dear Credit Bureau:


There are issues with my credit report. I need some help if you don’t mind. Check out the issues below:


Creditor: Account: Reason:


I just noticed them when I pulled my credit report. I have not pulled my credit report in years. Can you help me with this? I don’t know how your company process complaints from consumers, but please fix this problem ASAP. I’m counting on you to help me with this. Question, how long will it take? Someone said 30 days. I also read that on the internet. Please fix this.


Thanks.



Ad:

Credit Reports & Scores | From All 3 Bureaus | Available Monthly $19.95/mo

www.smartcredit.com

We make it very easy. Get monthly updates to your scores and reports.

See what's affecting your score and dispute inaccurate items with a click of a button!

17 views0 comments