A method of communication is needed to facilitate your credit repair efforts and that method is by sending letters to the credit reporting agencies as well as creditors.
There are a variety of letters that can be sent during your credit repair efforts.
The first letter usually is the one to request your credit reports from each of the three main bureaus, now this request can also be done online by visiting the annual credit report website.
You can receive a copy of your reports for free on this site.
Once you have your credit reports on hand and have reviewed them, the next step is to plan your credit repair strategy which will determine the exact types of letters you will be sending to improve your credit rating.
One of the most popular letters would be an account dispute letter.
This is a simple letter written to the credit bureaus disputing a specific account entry on one of your credit reports.
You want to make this letter as specific as possible, citing the reason for the account dispute.
Each of the main credit bureaus operates independently of each other which means that you would want to send one letter to each of them.
The three main ones are Equifax, Transunion and Experian.
Remember to make sure that you include proper identity verification such as a copy of your Drivers license and Social security card, this is a requirement of the credit bureaus.
Your letters should also convey the strong message that you understand the laws governing credit, this ensures that they take your dispute letter seriously.