By: Arthur Cooper
Submitted: 2011-02-05 17:51:22 | Word Count: 664
If you’ve found a mistake on your credit report, you will want to send the reporting agency a letter to dispute the entry. While you may find a dispute sample letter online to use, hiring a professional company, like Creditelves, to assist you with your letter helps ensure your complaint is responded to efficiently and in a positive way.
You will need to write a letter of dispute if you find any kind of inaccuracy in your credit report. An error can have a negative impact on your overall credit score, and it’s important to resolve these issues quickly to avoid the embarrassment of being denied a loan, a job or a line of credit. Some places you may find mistakes that can negatively reflect on your credit score are within your personal information (make sure all your information is accurate), within your financial history (make sure you recognize all your open accounts, verify there aren’t any accounts documented with late payments that you paid on time, and make sure all accounts you closed are in fact documented as such), and within dated information (things older than 7 years like late payments and accounts sent to collections should no longer be on your credit report, as well as inquiries older than 2 years).
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Once you’ve found a mistake you’ll need to move forward with your letter of dispute. This is where a company like Creditelves can make your life easy. Dealing with credit bureaus can be difficult enough without trying to embark on such a journey alone. They receive tens of thousands of letters of dispute every day, and it can be easy for yours to get buried and forgotten. Creditelves knows exactly what to say to help your letter stand out, be recognized and hopefully get resolved.
Creditelves provides letter templates that will help you plug in information unique to your situation and generate a tailored, professional letter to suit your needs. A sample letter might include your specific personal information, any proof you have that there was in fact an error, details regarding the specific mistake and any other information you have that will help the agency see that there was truly a mistake on your credit report.
Once the agency has received your dispute letter, they have 30 days to respond, as mandated by law. If for whatever reason they disagree with your claim, you have a few options.
* You can contact the original creditor and try to have them rectify the problem directly.
* You can file your claim again using another of Creditelves’s professional templates.
* You can add a statement directly to your credit report regarding the inaccurate entry explaining exactly what happened. This probably won’t have an effect on your credit score, however people that perform a credit inquiry, like a potential landlord or employer, will see your note and take that information into account when making decisions about you.
Creditelves has been helping people improve their credit scores by filing dispute letters for years. They know exactly what to say and how to say it to get you on the road to improved credit numbers. For only $9.95 a month you can get help generating a dispute letter and with the overall process of filing a dispute. Visit www.creditelves.com today to get started.
