Date
Your Name
Your Address
Your City, State, Zip Code
Complaint Department
Name of Company
Address
City, State, Zip Code
Dear Sir or Madam:
I am writing to dispute the following information in my file.
The
items I dispute
also are encircled on the attached copy of the report I
received.
This item (identify item(s) disputed by name of source, such
as
creditors or tax
court, and identify type of item, such as credit
account, judgment, etc.) is (inaccurate
or incomplete) because
(describe what is inaccurate or incomplete and why). I am
requesting
that the item be deleted (or request another specific change) to
correct the
information.
Enclosed are copies of (use this sentence if applicable and
describe
any enclosed
documentation, such as payment records, court documents)
supporting my position.
Please investigate this (these) matter(s) and
(delete or correct) the disputed item(s) as
soon as possible.
Sincerely,
Your name
Enclosures: (List what you are enclosing)
Obviously, this is very basic but it gets the point across of what you want to accomplish.
~~NAME~~, you want to be quick, to the point and precise when
dealing with the
credit bureaus. You will find the phone number to contact at the bottom of each
individual credit report. Remember your phone skills and who you are dealing with.
Imagine the customer service reps day.
Jill is sitting there in her cube
with her headset on all day held hostage and forced to listen to an
endless line of
people calling her and yelling at her about the mistakes on their
credit report.
She didn't put them there nor is she the enemy. So
treat Jill with respect. As a matter
negotiation the likability factor is huge. Besides, who do
you think she is going to help
as a priority, you who respectfully but firmly demanded attention or
Jim in Alabama
who is yelling and cussing her out?
I hope the answer is obvious to you. Make sure to
get Jill's direct fax line so you can
personalize and send your dispute letter directly to her. The
more personal and less
like a number you make her feel the more likley you are to get the
attention and results
you want.
(Sidebar, it is like that with anything in life.
Humans hate feeling like numbers so call
people by their name. You know what the sweetest sounding
word is in the English
language....the sound of your own name! So use that.)
For the proven time-tested system including letters go here now.
Your Credit Score Raiser,
Alexander Alaric