Disputing Items on Your Credit Report

Don't Show Your Hand

Never mention in word or in writing that you are attempting to repair your credit. If you telephone the credit bureau to order your credit reports or to confirm their mailing address, you will most likely reach their automated phone system.
However, if you ever do speak to a representative about any issue, take care that you say nothing that would indicate you are attempting to repair your credit.
The reason for this is to lesson the chance that the bureau will respond to any of your disputes by claiming them to be "frivolous or irrelevant." By law, the only way they can get out of doing reinvestigations is to claim this charge. You just don't want to make it easy for them to do so.

Don't Be Sloppy

Use a typewriter or word processor to draft your letters. Create your own personal letterhead if you don't have one. Project the image of someone who conducts his affairs in a professional manner.
It would be an excellent suggestion to have someone proofread your letters before sending them.

Don't Use Form Letters

Make it look like this is something you are doing on your own initiative. Personalize your letter.

Don't Abuse The System

In the next article, we will discuss the defense method – the dispute letter. Just because the law allows you to ask for a reinvestigation of questionable items on your report doesn't mean you should write, "IT'S ALL WRONG! AND I'M MAD AS HELL !!!" on your report and send it back to them charred around the edges. Such efforts as this, including disputing multiple things simultaneously, will likely get your file flagged as one attempting credit repair, or possibly even a fraud alert.

Don't Lie

No, this is not a sermon, just good advice to follow. Technically, lying on a credit application is a federal crime. In some states, it could also be a crime for you to lie when disputing items in your credit file.
Therefore, you are cautioned that you should never lie or make misleading statements when disputing your credit report. Furthermore, it is unnecessary to lie when disputing your credit report.
Remember, you have the right to dispute your credit report as long as you have reasons to believe that it is not 100% accurate, or is misleading or obsolete.

Don't Be Cheap

Send EVERY correspondence via Certified Mail / Return Receipt Requested. This means you must go to a post office to mail every letter. Certified mail, return receipt requested, will cost more than a dollar extra, but it will demonstrate that you are serious about your correspondence.
Your postal carrier will bring you a signed card from the recipient with the date they received it.
This is the only way to have proof that your letter was sent and received. Your post office will provide you with the necessary forms.

Don't Be Vague In Your Disputes

Be as clear as you can about what you are disputing and the corrective action you desire them to take. Provide as much supporting documentation as you can.
But try to sound like "Joe Average" in your letter, not "Joe Expert." Don't go quoting sections of the law and such. Present yourself as a concerned consumer acting on the advice of a friend or family member.
As time passes, and if sufficient response is not forthcoming, then you can escalate the tone of your letters, all the way to acquiring an attorney to quote the law on your behalf.
Then you have their undivided attention as a concerned citizen who is at the point of taking legal action, if they do nothing. If you ever go to court, your portrayal of yourself as someone who set out to correct a mistake, rather than one launching a credit fix campaign, is much more playable.

Don't Jump Ahead

Credit restoration can take time. Systems this big and cumbersome tend to have multiple layers of bureaucratic sediment deposited on them. It can take hours of preparation on your part to start the wheels in motion and days and weeks of waiting for each new revolution to be completed.
Follow the steps that have been lined out. Some reading this have a monumental task ahead of them. You may have a lot of negative information in your report, much of which may be accurate.
Getting it out of there is no small job. But it's not complicated and the success rate is high for those who follow this system and take advantage of mistakes made by creditors and credit bureaus. Exercise patience. Look for opportunities. They will first appear as very small cracks.

Regis Sauger

Source by Regis Sauger

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