Collection Dispute Letters
Is now the time to get serious about how to clean up credit report? How about some online help to assist you in the credit dispute process ?
Out for a few years and highly acclaimed is the AVAIL Credit Coach, an online clean credit software. It is am amazing credit report repair product but what I find most attractive is its ability to write a dispute letter.
The amount of mail I get each week all centers around writing collection dispute letters and I tell people that with AVAIL, the letter is created for you . That’s right, you have a sophisticated computerized analysis that does so many things to increase credit scores , but what I absolutely love is that with the simple tap of the computer keys , you have a very good collection dispute letter that will get their attention .
How many times have you wondered how to draft one of these letters ? Who do I address it to ? How do I complain that my credit report has these errors and I want theses errors off my credit report ? If you can get that far , where do you send the letter? Do you put copies of any identification in the letter-you do.
With the simple touch of a keypad, AVAIL gets the letter all ready to go . All you do is sign and mail it. No guesswork and no more wondering if you did it right.
If you still insist on issuing your own example of a dispute letter here are the important factors when writing this .
Remember that you don’t need to be fancy . No amount of colorful adjectives will help or sway an employee of the credit reporting agencies . Just state your case and the reason for the challenge . An example would be if you had a late charge on a department store account and your records indicate that this is being reported incorrectly and you have never been late.
All you do is address the letter with your credit file information identifying who you are. Name, address and social security number are standard.
Explain you are disputing the charge you think is wrong and ask them to correct it or to remove this from your file.
That’s all you do. Do not go into long stories about how you lost the bill or even that you never got the invoice or about your aged mother who you are supporting and she too has problems.
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