How to Write a Credit Repair Letter

Okay, you have received a copy of your credit report and see some blemishes that are affecting your credit. The problem now is where to begin on writing a letter to correct the problem and repair your credit.

Instructions

1

Once you have received a copy of your credit report and have identified all blemishes, the next step is to start writing letters to help fix your credit. The first thing you want to do is highlight any and all negative marks on your report.

2

When you write your letter you will want to send a copy to both the credit bureau that reported it and the company that the negative remark is about. In your letter state the credit bureau it was listed on, the date it was posted, the company who posted it, what item was posted and why it is incorrect. All of this will be included in the introduction and body of the letter.

3

At the closing of your letter you will want to include and suggestions that you want both companies to do in order to correct this information. By law, they have 30 days to either respond to your request or remove it, make sure to mention this too.

4

Repeat steps 1 through 3 for all negative marks on your credit reports.

5

If you do not hear from someone within 30 days, send a follow up letter. In this letter remind them what you mentioned in the first letter and that since you have not heard from them you want the item removed and to receive a revised copy of your credit report.