The key to repairing your bad credit is the Credit Dispute Letter. You've put so much effort (probably a lot of cash too) into eliminating old debts and creating good credit but if you want to rewrite history, credit-wise, you've got to convince the credit bureaus to take the eraser to your past. Getting the letter just right requires a lot more than perfect prose. As is so often true with life, success can come from what you don't say, what you do, how you say it and never forget... timing.When composing a Credit Dispute Letter remember the old adage: Less it more. Your letter isn't meant to convince anyone but to point out errors. You are not saying "why" a debt is not listed accurately on your report, but rather "what" is not listed accurately. Start with a simple statement that will explain what you want the the credit bureau to do: On reviewing my credit report, I haved found these discrepancies. Please delete them from my credit report within 30 days as required by law and send me a report of the corrections" - that pretty much sums up everything, doesn't it. The fact is you don't need to beg them to remove old credit items, it is there legal responsibility to research anything you say is incorrect and IF they can't prove it true they must delete it.
Continue Reading: The Perfect Credit Dispute Letter
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