Time to clean up credit report? How about some online help to help direct you in your quest for better credit ?
Available on the market for about three years now is the AVAIL Credit Coach, an online clean credit software. It is am amazing credit report repair product but what I find most attractive is its ability to write a dispute letter.
The amount of mail I get each week is all around writing collection dispute letters and I tell people that with AVAIL, the letter is written for you . That’s right, you have a sophisticated computerized analysis that does so many things to improve your credit report , but what I absolutely love is that with the simple tap of the computer keys , you have a very good dispute letter .
How many times have you wondered how to draft one of these letters ? Who will get it ? How do I complain that my credit report has these errors and I want theses errors off my credit report ? If you can get that far , where do you send the letter? What do you include with the letter?
With the simple touch of a keypad, AVAIL gets the letter all ready to go . All you do is sign and mail it. No guesswork and no more wondering if you did it right.
If you still insist on issuing your own example of a dispute letter here are the important factors to consider .
Remember that you don’t need to be fancy . No amount of colorful adjectives will help or sway an employee of the credit reporting agencies . Just state your case and the reason for the challenge . An example would be if you had a late charge on a department store account and your records indicate that this is being reported incorrectly and you have never been late.
All you do is state your facts in a logical manner with your credit file information identifying who you are. Name, address and social security number are standard.
Explain you are disputing the charge you think is wrong and ask them to correct it or to remove this from your file.
That’s all you do. Do not go into long stories about how you lost the bill or even that you never got the invoice or about your aged mother who you are supporting and she too has problems.
