Have you received a free credit report recently? If not, you are entitled to one report from each of the three credit agencies once a year. You may find that you have some information on your report that is not correct or is not even yours. This happens quite a bit and this is why you need to know how to write letters to get items removed from your credit.
Maintaining an accurate score sometimes requires us to be pro-active, and we must write letters to remove information off our credit report. These are sent to the big 3 credit bureaus. Although in many cases the first thing most people want to do is to call the Credit Bureau and tell them off, this would be counterproductive. Instead the best method would be to sit down and write a credit report dispute letter.
In order to keep a high credit score and really be able to qualify for what you need when you need a loan you will have to be pro-active and monitor your credit. This means that you need to get your credit once every quarter and dispute any items that are not accurate or are not yours. Plus you will need to write your creditors and make sure they are reporting on time and accurately.
The other option would be to hire a company to monitor your credit for you. This is going to be a bit more expensive than just paying for your reports each quarter, but they will send you an email alert every single time something changes on your report and this can be very valuable. It can protect you from identity theft and help you stay on top of how your creditors are reporting your debts.
Here is a sample letter you can use to dispute your debts:
Dear Sir or Madam,
I have looked over my credit file, and I have found that there are errors in the reporting of the information in my report. I would like to enter a dispute against this information and request a correction from the creditors.
Here is a list of the items, creditors, and accounts that I would like to dispute:
Include as much information as you possibly have about the account and also include any information you may have that proves the inaccuracy of the account.
Thank you for your cooperation.