A Credit Repair Letter is used to dispute credit items that are negative marks on your report. You must mail a credit repair letter to the credit bureaus to challenge the accuracy or validity of a negative mark in order to erase the disputed item.
The Fair Credit Reporting Act is a law that states the credit bureaus must investigate disputed items. To initiate the dispute process you must draft a letter and mail it to the bureaus (Experian, Equifax, and Transunion).
(Your report will vary slightly from bureau to bureau)
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** and any other derogatory mark that appears on your report **
In your dispute letter you must explain why the listing is inaccurate or invalid. Some common reasons include; it is not my account, information is out-of-date, I was never late, etc.
You should be aware that once the credit bureaus conduct an investigation, it is somewhat common for them to remove a negative mark regardless of its "accuracy."
Whether bad credit information is technically "accurate" is a somewhat ambiguous concept. Consider this example:
Mr. Reynolds had a student loan with ACS (a student loan provider), but he defaulted on his payments. When contacted by ACS, Mr. Reynolds created an agreement with them, whereby he would make payments following a new payment arrangement and ACS would accept the payments in full accord and satisfaction of his original agreement. The parties also agreed that no negative reporting would be made to credit bureaus. Over a year later, the account was transferred to Sallie Mae, and Sallie Mae reported all past late payments on Mr. Reynolds' student loan and reported a full default of two thousand dollars, which Mr. Reynolds had completely paid by that time.
Mr. Reynolds argues that the negative listings on his credit reports are inaccurate because:
The bottom line is that many negative credit marks may technically be "accurate" but do not tell the whole story. Fortunately, many lenders and creditors are just not willing to spend the money to verify a debt. This often results in a full deletion of the dispute credit item.
On the other hand, credit bureaus are resistant to dispute since it cost them labor and resources and cuts into their profits. Thus, you may find yourself slamming yourself against a bureaucratic wall of red tape. Credit bureaus engage in stall tactics in the hopes that you will become discouraged and simply accept the misery of bad credit.
This is why you may consider engaging the services of a Credit Repair Law Firm to assist you with all the aspects of the credit repair process.