Now it’s time to write your dispute letters.
All disputes should be SUBMITTED IN WRITING to the credit bureaus.
This is the meat and potatoes of the credit repair process and certainly quite important.
There are specific guidelines for filing disputes with the credit bureaus and if you do not follow these guidelines it may cause your dispute to be delayed, or worse, rejected by the credit bureau, further delaying the credit repair process.
Include COPIES, (NOT ORIGINALS) of any documents that support your dispute.
In your dispute letter state ONLY THE FACTS and provide a concise explanation of your dispute.
Some Types of Negative Remarks and Mistakes to Identify Include:
- Showing invalid accounts on your credit report that DO NOT belong to you
- Paid In Full Accounts that continue to reflect an Unpaid Balance
- Incorrect Account Status such as: DEFAULT; SETTLED ACCOUNT; or CLOSED ACCOUNT
- Medical Debt under $500 dollars
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