Jul
25
Credit is one of your most valuable assets. Unfortunately far too many people do not realize this until their credit has been brought into question and once it has been tarnished it is hard to regain. In some cases good credit is lost because of abuse of credit and in other cases it is lost as of a result of an error on the credit bureaus part or because of identity theft. No matter what the cause when a person wants go straighten their credit out, a credit repair letter is in order and should be one of the first steps taken. A good start is looking at credit repair sample letters to see how others have done it.
When your credit has been listed as in arrears or bad, everyone assumes that the report is right unless you take some action to correct the situation. It is up to you to contact the credit company and initiate the first step in this procedure. For this reason it is important that you request and review your free credit report each year to be sure that there are no errors in it. When an error is found you will want to immediately prepare and send a letter asking for an explanation of the bad rating. If you do not know how to do this follow the example of one or more credit repair letters to get started.
Free credit repair letters are available online and can be found at such places as CreditInfoCenter.com, debt-n-credit-letters.com, or ftc.gov. Remember that the credit repair letters found there are samples and should be used as such. Do not cut and paste a credit repair letter because they are probably not personalized for you. For one thing you will want to be sure that the information that you use in it all refers to you and your account. In most cases you will want to personalize the wording so that, while the idea is there, the words come from you and deal with your issues with the charge(s).
Some of the credit repair sample letters you may find when searching on your own will be very confrontational. While you may be tempted to go in fighting, it is best to start with a simple letter of inquiry. Let them know that you dispute the charges and that you know your rights concerning your credit. Ask them for the information they have to support their claim and let them know that you are willing to work with them to straighten out the problem.
By: Louis Z. About the Author:
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