Credit repair letters, also known as credit dispute letters, are letters that are written to the credit reporting agencies so that bad marks from your report can be removed. Credit reports have a lot of inaccuracies and you have a legal right to bring this to the notice of the bureaus so that they can correct the mistakes. But this has to be done officially and that is why writing credit repair letters becomes important. The letters must mention the nature of the inaccuracy in the report and an earnest request for them to look into the errors and rectify them.

Many online credit repair services will offer to write credit repair letters for you, but they might charge you hundreds of dollars just for writing these letters. You can save yourself from all the expense if you do a search on the Internet and find some templates for these letters. Refer to your personal free credit check to ensure that the information you provide is as accurate as possible. Such templates are easily available. All you have to do is to download a particular template, tweak it to meet your requirements and then send it to the bureaus that provide such credit reporting services.

You will have to mention the nature of your problem in the letter to make sure your free credit report online appears correct. Keep this as concise as possible and validate it with as much proof as possible. You are allowed to send attachments of relevant document copies with the letter. However, be aware that the bureaus will unfailingly ask you for more proof before they can remove the bad mark. Be prepared for that; it is part of the process.

Another thing that you must remember is that you should send the letter to all 3 major credit bureaus, since they can all provide a free copy of credit report information. You can get their addresses from their websites or even a simple search on the Internet will tell you where to send the letters. Always send the letters by certified mail. The stub you get at the post office is proof that you have sent the letters.

The point of error you mention in the letter must be justified. Justifiable points include:-

• A closed account that still shows up in the report
• A paid payment that still shows up as unpaid
• A payment made in time that shows up as delayed
• A credit card that has been closed shows up for due payment, etc.

The tone of the letter is important. Instead of making your dispute letters sound like you are angry, you must make it sound like you are dejected and tied up because of the mistake. You must make it clear that your financial health is in peril because of the mistake, because you are not getting some needed credit. Don’t take any unnecessary risks when it comes to consumer credit reports.

Only if you think you really cannot handle writing credit repair letters, must you seek assistance from the credit repair services over the Internet. There are many online credit repair services that will do the entire writing and even mailing work for you.