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 written for you . That’s right, you have an advanced 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 dispute letter .
How many times have you fretted about starting a credit repair program just because of the letter you’d have to write ? Who will get it ? What do I say- 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 want to write your own version of a dispute letter here are the important factors when writing this .
Your letter should illustrate your cause in a simple manner . No amount of colorful adjectives will help or sway an employee of the credit reporting agencies . Just state your case and the reason for your letter . An example would be if you had a late charge on a credit card 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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