Credit Repair: A Guide For Both Beginners And Experts: Smart And Practical Secrets To Quickly Raise Your Credit Card Score And Improve Your Money Management Like A Pro by Warren Clayborne

Author:Warren Clayborne [Clayborne, Warren]
Language: eng
Format: mobi
Published: 2020-09-11T16:00:00+00:00

Chapter 8

General Advice to See Success With 609

It is crucial to gain as much information as possible so you can write the best letter. While you might not care to do this when it comes to the credit bureau, they often pay more attention to letters that are done professionally. Furthermore, many letters are placed to the side because the customer did not include all the information or correct documentation.

These are not only tips detailing the information you should put into your dispute letter, but they are also tipping from people who have successfully used the 609 loopholes to repair their credit.

Include Documentation

Two factors help ensure proof. Firstly, this makes your case that what is written on your credit report is wrong. Even though the credit bureau still has up to 90 days to investigate your claims, make sure that submitting the documentation leads to an even more convincing case. Furthermore, it proves that you understand entirely what this wrong information is doing to your credit report and that you intend to fix this, which your right is provided by section 609.

Never send originals to the credit bureau. You always want to make sure that you send copies and keep the originals for yourself.

Be Thorough

You want to make sure you are concise with your information but also thorough. This might mean that you spend a reasonable amount of time writing your letter. You must keep it about a page in length, make sure that everything is readable, and you do not make the print too small. The best font to use is Times New Roman and the best size to use is 12-point font. This is standard when it comes to business letters. You do not need to pick the fun font as this is not meant to be a fun and exciting letter; it is meant to be straight to the point and to provide all the information necessary.

The trick is to simply state the facts, such as what is wrong and what you want to happen so the issue is resolved. You do not need to explain why you think it is wrong, but you need to explain what the situation is.

Illustrate Your Case

You want to make sure that you explain what about the information you believe to be wrong. You do not just want to say that certain information on your credit report is incorrect and you would like it to be removed and then list the wrong information. You want to make sure that you give them information that makes you prove it is wrong in a written way. You will want to give them the numbers for the incorrect information, which will be shown on your credit report, and then move on to the other item or finish the letter. You will then want to include documentation proving that you made these payments.

Proofread the Letter Thoroughly

It is crucial not just to read the words but also to make sure all the numbers are correct. It is common for people to mix up a couple of digits when there is a long series of numbers.

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