Being in debt is tough, I know, but what makes it worse is when you’re trying to repair your credit.  When you’re trying to deal with the major credit card companies, and credit agencies, you’re going to find that it’s pretty rough to get ahold of the right person to start fighting off your debt that doesn’t belong on your credit report.

What are these letters?

First off, if you’re not familiar with what these letters are.  It’s a letter that you’ll write to the creditors explaining them of the errors on your credit report.  This is best way to dispute errors on your credit report.  Calling, and e-mail simply won’t do in the case.

Where do I even start?

Writing a debt dispute letter is no different than writing a letter to Grandma.  You’re going to want to make sure that you include a few things though, so that the companies know what you’re talking about.

You’ll want to include the following:

• Your name, address, city, state, and zip code.
• The account in question (be detailed)
• The reporting agency name, address, city, state, and zip code.
• Include evidence as well (things like your credit report)

These are the main things that you’re going to include in your letter.  The more evidence you have, the easier it’s going to be to work with you.

In your letter, you’ll want to state that you’re disputing a charge on your report.  If you can, highlight the dispute on a copy of your credit report.  Make sure that you include this with your letter.  Explain why the debt shouldn’t be there.  It’s important that you’re not writing a novel.  Be short, simple, and sweet.  All you want to do here is get your point across.  Also, make sure you never threaten to sue, etc.

What happens after this?

When you mail it, make sure it’s certified, and get a signature confirmation.  This will ensure you that they received it.  Once the receive it, they will investigate your claim, and go from there. 

If all is well, the debt will disappear from your report.  If they need any more questions answered, they will contact you either through the mail, or the phone.  Most of the times, if you have a case to get something removed, they will do it.  If not, keep working hard, and always make sure that you have the evidence to support it.