Credit Restoration In Houston
It isn't complicated to Improving Your Credit Score if you know whose advice to follow. First, your letter of dispute with the bureaus needs to be short and concise. Don't cite the constitution or threaten them with a lawsuit. Instead of being a junior legal eagle, just make sure that each of your dispute letters have these three elements:
- Number 1 - What exactly you are disputing
- Number 2 - Why you are disputing it
- Number 3 - What specific results you are seeking
Every dispute letter must contain each of the above three elements. Here is an example of such a letter: Below is an example of a dispute letter that I would write: DO NOT COPY THIS LETTER WORD FOR WORD!!
If the credit bureaus receive hundreds or thousands of the same letter, they will consider your letter frivolous and possibly dismiss it the dispute.That said, here is an example of a letter to send to the credit bureaus:
- Please delete. Thank You.
- I am disputing the Sears account appearing on my credit report, number XXXX, for the reason of (mention one of 13 reasons below).
- Your Social Security Number
- Your Date Of Birth
- Dear Credit Bureau Name
- Your Address
- Your Name
- Re: (account and reason for your dispute goes here)
When you write the letter, use one of the 13 reasons below for disputing the bad account:
- Incorrect Date
- Account Transferred To Another Lender
- Original Creditor Not Listed
- Account Closed By Consumer
- Creditor Classification
- Inaccurate Late Pays
- Account Type Inaccurate
- Not Liable For the Account
- Inaccurate Remarks
- Obsolete Account
- Incorrect Account Designation
- Opened/Not Accurate/Inaccurate Terms
- Incorrect Balance Being Reported
Good credit ratings begin with smart reasons-no legalese or complicated form letters taken out of a book on credit repair from your local bookstore. If the credit bureau agrees with your reason, then turn around and send them a second letter citing a second reason from the list. When you provide a different reason to each bureau for each bad account, you will repair your credit one by one.
Too many people dispute their bad accounts the only way they have been told to-by saying it is not theirs. Most people think that the only way to dispute an account is by saying it is not mine. However, you now have an arsenal with which to dispute each and every negative account on your credit report.
The truth about credit repair is this: Don't spend thousands of dollars on credit courses about credit repair myths. There are also hidden secrets that the credit bureaus don't want you to know about how to fix your credit and only a select few have this knowledge. I hope you can now begin restoring your credit with effective methods rather than false myths. For More Information on credit repair Click the link below and go to our website. Author Bio: Mark Garcia will teach you how to Improve Your Credit Score fast with his FREE Instant Access to a 3 minute video about his own credit repair story. You can also download a special report on the "10 Most Dangerous Mistakes That People Make When Trying To Fix Bad Credit" available at Crushing the Credit Bureaus.
