| By :
Jim Kemish
Doubt the Content of Your Reports The process of credit repair involves, among other things, sending dispute letters to the credit bureaus requesting the correction of errors. These errors do not have to be limited to accounts you do not recognize. There are a variety of legal compliance requirements which are often neglected. The first secret to credit repair dispute success is a big healthy dose of doubt. Do Not be Intimidated Do not believe the information on your report simply because it is in writing. There is no reason in the world that you should ascribe accuracy to the credit bureaus. Many people are intimidated by the credit bureaus and will question their own memory before they will doubt the veracity of the credit reporting system. Do not make this mistake. Little Details Count Too Your credit repair journey will start with a careful examination of your credit reports. Sit down with a highlighter in hand and take your time. Circle every single thing that looks even vaguely erroneous. You can examine in greater detail once you complete your first look, but keep in mind that even the most innocuous items can have an impact on your credit score. Your Dispute Letters Once you have your list of errors ready it is time to prepare your dispute letters. It is vital to your credit repair undertaking for you to know that each of the three bureaus store account data in a different format. Some differences are small, some large. In all cases the letters you send to the individual bureaus should reference the exact identifying information used on the reports. The Right Language In addition to inclusion of precise identifying data for each account disputed with each bureau, you must know how to craft the language of the dispute. Your dispute language, like so many other facets of credit repair, should be simple. Dispute processors have less than five minutes allotted per letter. They do not want to hear anything other than the essential facts. If you were not late, just say so. There is no place here for your life story, as amazing as it may be! Develop Patience Now it is time for a little inner spiritual work. As you send off your first batch of dispute letters you must cultivate the quality of patience. Breathe in patience, breathe out impatience. The credit bureaus are huge machines. Some dispute letters just get chewed up and spit out. If your letter is rejected, or your dispute verified, do not take it personally. Just do it again. Have faith in credit repair, but respect the fact that it is a numbers game. Consider Hiring a Credit Repair Service You may also consider investing in the services of a credit repair company. There are quite a few legitimate professional services that will manage the entire process for you for a very small monthly fee. From the initial crafting of the dispute letters to the ongoing follow up that may be needed to get the awaited results, everything will be done for you. No sweat! As a bonus some services will provide the guidance you need to restructure your new clean credit report for score optimization. It is a winning combination. Good luck! Copyright © 2010 James W. Kemish. All Content. All Rights Reserved.
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