Credit report disputing is the main process you use for basic credit repair. You have to write the dispute letter correctly of course, but perhaps just as important is how you send the dispute letter to the credit agencies. If you don’t send it correctly, then your chance of succeeding with the dispute letter is greatly reduced. You can find hundreds of credit repair letters all over the internet. Lots of places will give them to you for nothing. There is just one place we have heard of that will let you use free software to produce the dispute letters. That site is CreditBlossom.com.
We won’t address the dispute letter style in this article since you can find several of them all over the web. In this article you are going to learn how to send out the dispute letters to do basic creditrepair. Remember, this is nearly as important as the dispute letter itself because if you send the letter improperly, it will probably fail to have any success.
Once you have written the letter, you need to make an ID page to send with the letter. The ID page contains identification that will confirm to the credit bureaus that it is in fact you sending out the letters. You might wonder why you need to do this. If you are sending out the letter, isn’t that enough? Yes, that is the logical thought, but you need to put yourself in the position of the credit bureaus. They are dealing with millions of pieces of mail. They cannot be bothered with mail that is not certain to be coming from the person disputing the item on the credit report. Even if you had a credit repair agency create and send these letters for you, they are going to require that you provide them with the ID documents to mail with the letters. The ID page confirms to the reporting agency that it is definitely you sending the letters.
The ID documents that you should include are the following:
1. Copy of your driver’s license.
2. Photocopy of your social security card.
3. Picture of a utility bill.
After you have gathered all these necessary documents, you will copy them all on to 1 or 2 pages. The copy must be highlylegible. If you cannot read the words on the copies, then the credit bureau employee will not put any effort into trying to make out the words and they will either throw away your letters, or they will send you a letter requesting you to send your ID to them again and that will hold up the credit repair process.
Once you have made a legible copy of your ID, you will have to make enough photocopies of that copy to put one in with all the letters you intend to send to the credit reporting agencies. If you visit creditblossom.com you can see a sample of what an ID page is supposed to look like. If you can’t squeeze everything on to one page (because perhaps you had to update your address for your driver’s license and you have to include the page that confirms the change) you can certainly prepare the ID page on two pages. That is not ideal, but it will still work.
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