Credit Report Disputing – Free Kit
There are only three items you need to do credit report disputing on your own: 1) Documentation that proves who you are, 2) a current copy of your credit report and 3) a template for a dispute letter. There’s nothing more to it than that! And once you have those two things, the rest of the process can be easily done by yourself.
There is no need to hand a credit repair service hundreds of dollars to do what you can do on your own. Did you know that repairing your credit on your own is even the preferred method supported by the US government? Take a loot at FTC.com if you want to read it yourself.
And while you are on that website, you may as well copy the sample credit letter they have available there as well. That one will work the same as any of the scores of other similar ones you can find all over the web. All you have to do is copy any sample letter you want, tailor it to the items you want to dispute, put it with a copy of you personal identification, and mail it to the correct reporting agencies.
What type of ID am I talking about? You’ll need a copy of your picture ID, a photocopy of your social security card, and a` copy of a household bill or other page that shows your correct address and name. That is it! Just make certain all those documents are photocopied with perfect clearness (otherwise they will send it back and demand clearer ID).
Regarding the credit report, getting one should be simple. If you’ve recently been denied a loan, you ought to be able to receive a copy of the credit report your loan officer pulled for you. Short of that, you can still ask for one free by calling 1-877-322-8228, or you should be able to get one by writing to the following address:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
The FTC’s website also states that everyone is allowed one free copy of their credit report annually, so if you haven’t gotten one yet, get one. Forget paying a credit repair clinic to do what you can do on your own. The only things you should have to pay for are the printing costs for the letters and the stamps to mail them with.