Did you know you can repair your credit?

Did you know that you can correct your own credit?

It can take a month or so but with a letter like this disputing items on your credit report, you can get negative items removed from your credit. In most case creditors have to follow a guideline on reporting negative items on your credit. Generally in most cases most companies follow the rules, but sometimes you have companies that place negative information on your credit illegally. When that happens, if you dispute then that company has an obligation to remove any negative items that they place on your credit. It really is that simple.

Now after you send this letter to the Credit Bureaus, the Credit Bureaus will then send the letter to the creditors. Now if they the Creditors do not respond within that 30 days to your dispute then the items have to be removed.

So it really is that simple, it just takes time and patience. If you do not have your Credit Report simply request it for any of the 3 credit reporting agency. You may receive one free credit report a year. I hope that this helps



December 1, 2009

Marcus Smith
1202 Pledgen Street
Memphis, TN 38124


Experian
Order Credit Report: 888-397-3742
Report Fraud: 888-397-3742
http://www.experian.com/

Dear Sir or Madame:

All agencies are legally required to follow certain procedures when reporting delinquent consumer debts to credit reporting agencies. I am writing to dispute the following information in my file because proper protocol was not followed. My rights as a debtor have not been considered as stated under U.S.C. 3711. I’m utilizing my right to dispute said debt, I have enclosed a copy of my credit reports. Please all of the negative information in regards to my credit. Please remove any of the negative information about my accounts.
Enclosed items:

A Credit Report

B Copy of Drivers license


Please reinvestigate these matters and delete or correct the disputed items as soon as possible.

Sincerely

____________________________
Enclosures: Credit Bureau

The three major credit bureaus are:
 

Equifax
Order Credit Report: 800-685-1111
Report Fraud: 800-525-6285
http://www.equifax.com/

 

Experian
Order Credit Report: 888-397-3742
Report Fraud: 888-397-3742
http://www.experian.com/
 
Trans Union
Order Credit Report: 800-888-4213
Report Fraud: 800-680-7289
http://www.tuc.com/

Did you know that a CPN Number is another alternative to building your credit score to a 700 to 800 within 30 to 45 day period?


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