Many people know that, by federal law, you are able to obtain one free copy of your credit report from each of the three credit bureaus per year. Mistakes happen and sometimes these reports reflect negative or incorrect information. However, what you might not realize is that it is quite easy to dispute any negative items on your report with a credit bureau letter.

1. Credit Bureau Letter - How Can I Use One to
Remove Negative Information
Many people know that, by federal law, you are able to obtain one free copy of your credit
report from each of the three credit bureaus per year. Mistakes happen and sometimes
these reports reflect negative or incorrect information. However, what you might not
realize is that it is quite easy to dispute any negative items on your report with a credit
bureau letter.
When deciding to send a credit bureau letter, you have two choices. The first is to create
your own. Second, you can download a sample form credit bureau letter from the internet
to fill out and get you started. Either way, a credit bureau letter always includes your
contact information, social security number, and information for the account in which you
are disputing including a full account number.
In addition, you will want to attach any supporting documentation supporting your cause.
For example, if your report is showing negative information that you made seven late
payments within a year time period and you really only made three late payments, include
a copy of your payment history. Also, be sure to write a separate bureau letter for each
account issue you wish to address. The reporting bureaus are required to investigate your
claims and respond within a reasonable period of time.
Mailing information for each of the reporting bureaus can be found at their websites which
is Experian, Equifax or Trans Union. This can be an excellent way to easily improve or
correct your credit report history, all by sending a simple bureau letter. Now that you are
empowered with more information, go out there and take action.
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collectors from harassing you on a daily bases, then it’s time to take action by signing up for
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