Credit report disputing is the overall process you use for simple credit repair. You have to write the dispute letter correctly of course, but perhaps just as important is how you send the dispute letter to the credit bureaus. If you don’t send it right, then your shot at success with the dispute letter is greatly decreased. You can find hundreds of credit letter samples all over the internet. Lots of sites will give them to you for free. There is only one place we have heard of that will let you use free software to create the dispute letters. That site is CreditBlossom.com.
We won’t address the dispute letter style in this article because you can find numerous styles all over the web. In this article you are going to find out how to send out the dispute letters to perform basic creditrepair. Please note, this is nearly as important as the dispute letter itself since if you send the letter incorrectly, it will probably fail to have any success.
Once you have created the letter, you need to make an ID page to send with the letter. The ID page contains identification that will verify to the credit bureaus that it is truly you sending out the letters. You might wonder why you need to do this. If you are mailing out the letter, shouldn’t that be enough? Of course, that is the logical thought, but you need to put yourself in the place of the credit bureaus. They are dealing with millions of pieces of mail. They cannot be bothered with mail that is not definitely coming from the person disputing the item on the credit report. Even if you had a credit repair agency produce and send these letters for you, they are going to require that you provide them with the ID documents to send with the letters. The ID page confirms to the reporting bureaus that it is definitely you sending the letters.
The ID documents that you should include are the following:
1. Copy of your photo ID.
2. Copy of your social security card.
3. Picture of a utility bill.
Once you have gathered all these necessary documents, you will copy them all on to one (or two) pages. The copy must be very clear. If you cannot make out the words on the copies, then the credit bureau personelle will not put any effort into trying to make out the words and they will either throw away your letters, or they will mail you a letter demanding you to send your ID to them again and that will slow down the credit repair process.
Once you have made a legible copy of your ID, you will need to make enough copies of that copy to include with all the letters you intend to mail to the credit reporting agencies. If you go to creditblossom.com you can see an example of what an ID page is supposed to look like. If you can’t fit everything on to one page (because maybe you had to change your address for your driver’s license and you have to include the page that verifies the update) you can certainly do the ID page on two pages. That is not the best option, but it will still work.
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