Collection Dispute Letters - The Power Of A Well Written Credit Repair Letter

Where is the question of a well written collection dispute letter

? All you have to do is specify the transaction and raise a dispute on the same. Right? Well, that is the most basic format of a credit repair letter. There are many points that you should consider and keep in mind if you want to get relief as early as possible.

Raising a dispute on any point specified in the credit report is definitely going to lead to some bad blood between you and the credit bureau. Of course, the mistake may not be intentional or deliberate. Yet, credit bureaus and lenders are never keen on changing their opinion on the negative points incorporated in the credit report.

That is the reason why you should draft your collection dispute letter in such a manner that the other party has absolutely no option but to acknowledge the veracity of your claims.

For starters, you should clearly specify the legal basis of your collection dispute letter. Simply raising a dispute and expecting the other party to be aware of the legal terms and conditions is not a smart move.

Even if the other party is aware, you should clearly convey that you too are aware of your rights under the law. There are many persons who are scared of doing so because they feel this will unnecessarily send out a wrong message to the other party.

Well, when the credit bureau has incorporated incorrect credit information in your report and when you have lost a lot of money and credibility because of this mistake, don't you think it is your right to be firm and specific with your credit bureau?

The legal basis apart, you should explain the transaction in a very clear manner and clearly indicate that you have attached documentary evidence that will prove your claim.

Again, simply attaching the documentary evidence may not suffice because the other party may simply say that it never knew that the document attached was for the purpose of proof. These are minor points but incorporating all these points and writing a well written credit repair letter will definitely boost your score very quickly.

Going in for a professional service provider just to write a letter does not make sense. Yet, it is advisable to go in for this transaction if you are planning to employ a professional service provider to supervise your credit repair activities.

There are options available to repair bad credit and raise your credit score. Something as simple as disputing negative items can help. These items can be erased from your credit report, resulting in a significantly higher rating. Click the following link for more information on how to repair bad credit quickly and legally:

Credit Report Repair

by: Rose Graham

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