Consumer Credit Counseling

• There is an error or there are errors in your report.
• The error(s) are hurting your credit and causing you problems.
• State what the errors are costing you as a loss in one, no more than two sentences (i.e. a mortgage, car loan, new employment, insurance coverage, etc.). (Refer to the sample letters as a general guide, but do not copy them word for word. Your letter should appear to be as individual and unique as you are.)
• Provide the name of the creditor who's reporting the bad credit about you. Include the account number (or docket number for public records) the creditor assigns to your account. If you are disputing more than one item, include all of this information for each creditor. Do not, however, dispute more than three items per letter.
• State the reason why the negative information is wrong. Since it's far too tedious and complicated, it's unlikely the credit bureau will ever evaluate or investigate your explanation. And, the negative information being reported can be wrong for any number of reasons:

1. You got a new billing address, and your bills were received late or not at all at the new address.

2. You pay your bills online and for some reason the creditor's website did not credit your account for payment.

3. You were never late or paid the account in full and have cancelled checks to prove it. (include copies of cancelled checks if you have them.)

4. Your payments were mistakenly applied to another customer's account.

5. You disputed a bill because you returned an item which was not removed from your balance. Never admit to, or accept blame for bad credit... I was sick, in the hospital, out of work, my spouse left me, my dog ate my mail, etc. Your negative items will not go away on the basis of the fault coming back to you for any reason.

6. Always sign and print or type your name to the close of every letter.

7. Ensure you have legal proof that you sent the letter and it was received. Certified mail is the most economical method for proof of delivery that the United States Post Office offers. There are other methods such as registered mail, but they're more costly. If you don't use one of these methods, the credit bureau will know you have no proof that it was sent, and could ignore it.

8. Keep copies or photocopies of your letters and your certified mail receipts for all letters you send to the credit bureaus. You may be using these copies for future mailings and to prove your disputes.

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