When you have bad credit, it can prevent you from purchasing certain important things. It can affect your ability to rent an apartment, buy a house, lease a new car, or get approved for a loan.
If you have negative items on your credit report, such as a foreclosure, tax lien, or late payment, then it could be attributed directly to why you have a bad credit score.
The only way to rebuild your credit is to have these negative items removed as soon as possible. If you’re unsure of how to do this, then you’ve come to the right place. We’ll show you a step-by-step process on how to remove negative items from your credit report so that you can finally regain your financial freedom.
Let’s take a closer look – shall we?
Submit A Dispute With The Credit Bureaus
To write a letter to the credit bureaus is not very difficult, however, many people find themselves making some crucial mistakes. Perhaps they’re not as clear as they should be, or they forget to include vital information that will make or break their case.
This, amongst a plethora of reasons, is why you should hire a professional credit repair expert. They have the knowledge, experience, and expertise to write the perfect credit report dispute letter to the credit bureaus on your behalf.
Your credit report dispute letter should include:
- Current date
- Personal information (name, contact information, date of birth, and credit account number)
- The credit bureau’s contact information
- Any relevant documents that can make your case (payment or court records, for instance)
- A brief explanation of the inaccurate information or errors on your credit report
- Instructions about what you want the credit bureau to do about the situation
- A copy of your credit report with the highlighted errors
- A scanned copy of your government-issued ID (driver’s license or bill with your address)
Where Do I Send My Credit Dispute Letter?
You must send your credit report dispute letter to all 3 credit bureaus – Equifax, Experian, and TransUnion.
|PO Box 740256
Atlanta, GA 30374-0256
|PO Box 9701
Allen, TX 75013
|PO Box 2000
Chester, PA 19016
Send A Pay For Deletion Offer To Your Creditor
If you have a delinquent or past due account, then a “pay for delete offer” technique is your best bet. You have to approach things a bit differently in this case. Credit bureaus will never remove accurate information even if you dispute it. They have a team of investigators to verify that this information is accurate.
So, you have to get a little bit creative in negotiating some items to be removed from your credit report. In a pay for delete negotiation, you can offer to pay the account in full in exchange for having the negative items removed from your credit report. Not all credit reporting agencies will accept this offer, but most will.
The Bottom Line
Credit repair doesn’t happen overnight. It takes time, effort, and resources to do it correctly. However, if you’re patient, the pay off could be huge. Trust My Credit Advice to write an in-depth, comprehensive credit dispute letter to the credit bureaus on your behalf.
We are caring, compassionate credit repair experts with an aggressive, headstrong approach to handling your dispute with the credit bureaus. We will help you to improve your credit scores and advise you on your debt management endeavors.
Whether you have collection accounts, late-payments, foreclosures, bankruptcies, or repossessions, we can help you make your case to have these negative items removed from your credit report. Get good credit today with My Credit Advice!