Credit Repair Dispute Letters | Free Dispute Letter Template
How to create Credit Repair Dispute Letters – Free Dispute Letter Template
Are you trying to do some Credit Repair and need help learning about Credit Repair Dispute Letters? This video will help you learn the basics of dispute letters and we will even include a free credit dispute letter template. But, we need you to be cautious and follow the steps to ensure that these letters are effective for you.
1. You will need a current 3-bureau credit report with partial account numbers listed:
A. Our Recommendation: ($1 trial report)
B. Second best:($1 trial report)
You have the legal right to obtain a free credit report through AnnualCreditReport. We will explain in the video why we don’t recommend you use Annual Credit Report or Credit Karma for this process. AnnualCreditReport has you waive your right to have your dispute done in 30 days, so it can actually hurt your results. CreditKarma doesn’t show your account numbers, so that won’t work.
2. Obtain your free credit repair dispute letter template here:
3. Prepare your Identification Documents & Dispute Letter Attachments: You MUST attach 2-3 forms of ID – One must match the address on your dispute letter.
The best 2 forms of ID are your Drivers License (as long as the address matches) and your social security card. If your address doesn’t match, you will need to include a pic of a recent utility bill along with your 2 forms of ID so the credit bureaus can confirm your identity.
4. Send your credit repair dispute letter by certified mail with a return receipt. One letter to each credit bureau. You will need to go to the post office to complete this step. Each letter will cost $6-9 to send.
Credit Bureau Addresses:
Equifax Dispute Address:
PO Box 740241
Atlanta, GA 30374
Experian Dispute Address:
PO Box 4500
Allen, TX 75013
Transunion Dispute Address:
PO Box 1000
Chester, PA 19016
YOU NEED A CREDIT REPORT FROM ALL 3 BUREAUS WITH ACCOUNT NUMBERS – HTTP://FREE3SCORES.COM ($1 trial)
DO NOT USE CREDIT KARMA
DO NOT USE ANNUAL CREDIT REPORT
DO NOT HANDWRITE LETTERS
DO NOT DISPUTE ONLINE
DO NOT DISPUTE ON THE PHONE
DO NOT USE TEMPLATE LETTERS
DO NOT DO SECTION 609 DISPUTES
DO NOT LIE
DO NOT USE CPN
DO NOT COMMIT FRAUD
DO NOT SAY “NOT MINE”
If you have questions or would rather have us help you with your credit, please don’t hesitate to reach out! Our Advice is always free.