Credit Repair Letters

Improve Credit Scores By Writing Credit Repair Letters

The Federal Fair Credit Reporting Act give you the power to fix your credit. The purpose of credit repair letters is to remove derogatory or incorrect information from your credit report by disputing the accuracy of the information on your report.

Nearly 75% of all credit reports have an error on your report. One of the best ways to ensure that your report is accurate is to write a letter. Typically these credit repair letters are sent to the three credit bureaus, Experian, Equifax and Transunion via certified mail. Once you mail the credit repair letters you should expect a response within a timely manner.

Examples of Credit Repair Letters

Below are examples of the different kinds of credit repair letters that you will need to dispute the information on your credit report:

• Addition of Consumer Statement
• Cease and Desist
  
• Demand for Validation
  
• Explanation for Delinquent Payment
  
• Final Demand for Corrected Credit Report
  
• Reminder to Respond
  
• Removal of Unidentifiable Information
• Request for Addition of Supplementary Credit References
• Request for Free Copy of Credit
• Request for Husband and Wife File Separation
• Request for Reasons of Credit Denial
• Request for Removal of Credit Counseling Notation
• Request To Delete Inaccurate Information
• Request to Delete Unauthorized Inquiries
• Request to Merge Inquiries
• Request to Remove Outdated Information
• Sample Credit Report
• Sample Letter of Settlement to Creditor