Credit Repair

Here are some helpful tips to start repairing your credit:

1. Get your free credit report so you know what is on your report.

2. Inform the consumer reporting company, in writing, the information you found to be inaccurate. Include documents that will help support your claim along with a copy of your credit report with the inaccurate items in question circled. Also, do not forget to include your personal information such as your complete name and address. Your letter needs to outline why you are disputing certain items, state the facts about each error. Be sure to mail your letter certified as well to ensure proper delivery.

This is a sample of what your letter should look like from ftc.gov:

Sample Dispute Letter

Date
Your Name
Your Address,
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.)

Once the consumer reporting company receives your letter, they have 30 days to investigate your claims. Once the investigation is complete, the agency must give you the results in writing as well as a copy of your updated report if any items have changed.

If you need assistance in your dispute

There are many reputable companies that specialize in credit repair, they deal with credit disputes on a daily basis. Don’t be afraid to reach out if you do not feel comfortable dealing with a credit report dispute on your own.