Do It Yourself Credit Repair
Chances are your credit report may have inaccurate information, so it’s always a good idea to review your credit report at least once a year.
Step 1:
Order your credit report from one or all of the following
Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
(800) 685-1111
Experian (formerly TRW)
P.O. Box 2104
Allen, TX 75013-0949
(888) 397-3742
Trans Union Corp.
760 W. Sproul Rd.
Springfield, PA 19064-0390
(800) 888-4213
You’re also allowed on free annual credit report from annualcreditreport.com
Step 2:
Review your credit report, look for any errors and contact the creditors to update your information
Step 3:
Update and if necessary dispute inaccurate information reported on your credit report.
The following is for demo purposes only in accordance with US copyright laws.
Request to Furnishing Creditor to Reinvestigation
Request Follow-Up After Reinvestigation
Request Removal of Incorrect Information by Creditor
Request Addition of Information Showing Stability
Request Addition of Account Histories
Inform Creditor of Judgment Proof Status
Request Short-Term Lower Payments
Request Long-Term Lower Payments
Request to Pay Nothing Short-Term
Request to Pay Nothing Long-Term
Offer (Delayed) Payment of Past Due Amounts
Offer (Reduced) Lump Sum Payment
Offer Payment Schedule to Pay Off (Reduced) Debt
Cashing Check Constitutes Payment in Full (Outside of California)
Cashing Check Constitutes Payment in Full–First Letter (California)
Cashing Check Constitutes Payment in Full–Second Letter (California)
Cashing Check Constitutes Release of All Claims
Offer to Give Secured Property Back
Request Direct Negotiation With Creditor
Request Verification of Debt/Identity of Original Creditor/Return of Debt to Original Creditor
Complaint About Collection Agency Harassment
Collection Agency–Cease All Contact
Request for Basis of Unfavorable Credit Offer of Action
Identity Theft Dispute Letter for Existing Accounts
Identity Theft Dispute Letter for New Accounts
Notice of Billing Error Dispute on Credit Card Bill
Notice of Claim or Defense Dispute on Credit Card Bill
Annual Credit Report Request Form
FTC Law Enforcement Cover Letter
