Fight Back Against Credit Report Errors

Dec 27th 2015 at 8:55 PM

There’s probably nothing more embarrassing than applying for credit somewhere and being declined. Imagine it’s time to buy a new car. Your old one just bit the dust, and you need to find a replacement quickly. You’ve always paid your bills on time and you have a pretty decent job, but when you fill out your credit application at the dealership, you’re told that due to poor credit, they can’t finance your new vehicle. Your very first step needs to be taking a close look at your credit report. If you’re showing bad credit but you have no delinquent or consistently late payments in your past, then there’s likely something incorrectly listed on your report. And when this happens, and unfortunately it happens often, make that next step looking for a collections dispute letter.

What you’ll most commonly find is an error on your credit report. Somewhere along the line, something got incorrectly reported and turned over to collections, and that has now caused your credit score to tank. If you’re not responsible for the item that was turned over to collections, it’s your responsibility to send a collections dispute letter to that creditor and to the credit report agencies.

How annoying is it that you now have to be responsible for an error you’re not responsible for in the first place? But if you want to get your report cleared up and back in the good so that you can move forward with a loan or future credit, this is the most important thing you can do for your credit. Fortunately, when looking for how to go about writing a collections dispute letter, there are templates available online for you to use. Because the wording and the facts need to be laid out clearly and concisely in order for your letter to achieve the goal of having something removed from your credit report, it’s best to use a template created by a company that specializes in this area of expertise.

With the right template, all you’ll have to do is fill in your own information, and you can go ahead and send it where it needs to be sent, knowing you’ve included all of the information required. Trying to come up with everything that needs to be stated in your letter on your own can take hours or even days and can cause you more headache than the unfortunate incident on your report already has. Who needs that? With a template created by a credit agency, you can literally prepare your collections dispute letter within minutes, and you’ll know, without a doubt, that it includes all of the necessary information.

Don’t just live with a negative mark on your credit report that you aren’t responsible for. File a collections dispute letter and fight back against credit report errors. Start looking for collections dispute letter template online and prepare your letter in no time at all.

If you are looking for credit repair forms, the author of this article recommends Credit Umbrella.

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