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Are Credit Repair Sample Letters Effective? WARNING! Do NOT Do "This" If Your Credit Is Bad

April 04, 2012 | Comments: 0 | Views: 184

Are credit repair dispute templates effective? Should I simply go find the best collection of letters I can find, and send them out with MY details? Or, do the credit reporting agencies already know what these sample letters look like, and will ignore my challenge if I use one? In this article we are going to take a quick and easy look at using credit dispute "templates" and learn why using them CAN actually do more HARM to your credit file, than help. Curious to know more? Continue reading as we take a closer look below!

Are all credit disputes created equal?

Good question! And the answer is no. (and the reason that templates are NOT usually a smart strategy to send) The truth is, the credit agencies use OCR technology to "read" many of the challenge letters that are remitted, and they have copies of just about all of the common ones floating around the web. What that means is, if they think you've been hunting around for credit repair information, and are using a common boilerplate letter to challenge your report, the likelihood is your dispute is NOT authentic. (and they are legally allowed to disregard it if they think it's frivolous or without merit)

What about using the letters that lawyers use, or credit repair companies rely on?

Honestly, a good credit repair company is NOT going to post their dispute letters online, and most don't share them with clients. On top of that, effective credit repair is rarely about the specifics in the letter and is more about the strategy and sequence of how and when it is sent. (in other words, the right letter at the wrong time is often WORTHLESS, whereas that same letter, at the right stage of the sequence can be immediately effective)

Your best bet if you want to do your own credit restoration?

First, congratulations! It's not tough to restore your own credit, and I've done it more than once for myself, and for close friends and family. However, it takes work, a bit of due diligence and the willingness to persist in the face of some fairly frustrating red tape. (mostly being able to overcome the inevitable refusal of the bureau's to re-investigate your requests, and knowing what to say to make them reconsider)

Getting boilerplate letters, templates and legal language CAN be helpful. But it's NOT going to magically fix anything on it's own...no matter what you read online. What will is a commitment to creativity, and consistency, when it comes to following up and through. (or at least until your credit is BACK to where it belongs!)

Click HERE to learn how to Improve Your Credit Score 90 POINTS in 90 Days...GUARANTEED!

You Deserve A Second Chance. Get it HERE!

Source: EzineArticles
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