When creating a credit dispute letter there are many items and information that must be included in this letter for it to be deemed valid. The person should request a copy of their credit report from all 3 big credit rating agencies. These reports must be assessed closely for any mistakes or errors. Any accounts or listings which are wrong or do not belong to the person should be circled and marked on the credit report.
Once all 3 reports have been reviewed and any problems are noted the letter disputing these can be created. The full name of the individual must be evidently outlined on top of the letter, with the address including the state and zip code. Make sure to include the creditor or reporting agency name in the heading, as well as the words Complaint Department. The home address of the recipient of the letter should be included on the heading .
After the heading of the credit dispute letter is included the salutation of the letter company like. A good beginning would be dear sir or madam, and then the letter must always say that the following items listed on the credit report are being disputed. Be sure to attach a copy of the credit report with the questioned accounts circled and listed clearly.
Be sure to include what action is being requested. In some instances this might be the removal of an account that does not belong to an individual, or the request may simply be to up-date the account with the best account and present balance information. It’s also important to attach any supporting documents to the letter. If there’s any court report of identity theft,statements exhibiting a various balance due, or some other documents make sure you deliver a copy.
It is important to dispute any errors on a credit report though, so that these can be corrected on time. There are lots of dispute form letters and templates available on the internet that could assist any consumer dispute a mistake or remove an invalid debt.
Making a a letter to dispute your creditis not hard and does not require a big amount of time.