Creating a credit dispute letter to send to the Bureaus can be as easy or hard as you make it. While we provide example credit dispute letters, we always encourage those looking to dispute their credit to write their own version. The most important factors are:

1) Keep it simple. No need to use fancy language or get into a long heart-breaking story of how your credit got messed up, simply tell the bureau that you think the item is inaccurate, misleading, biased, erroneous, outdated, obsolete, or simply unverifiable—then ask them to verify the item with the creditor.

2) Include everything. A common mistake that is made when sending a credit dispute letter is people will forget to include the information the bureaus needs to be able to open an investigation into the negative credit listing. Be sure to include your full name, address, social security number, and the creditor name and account number for the listing. Without any of the items, the bureau will send you a letter “stalling” the investigation and asking for more information.

3) Have patience. When you send a letter, it will take some time to get to the bureau, be opened, processed, and then (if the bureau does not find your claim “frivolous”) it takes some time to open the investigation with the creditor. Only then does the 30 days begin that the creditor has to respond with the information the bureau is looking for. Once the creditor responds (or the 30 days expires with no respons) the bureau will send an update into the investigation back to you. This entire process make take upwards of 60 days. So, waiting 2 months for a response to your letter is the norm. Check out the credit repair timeline to see how long it takes to get your credit to a satisfactory level.

No, what you get back from the bureaus may be as equally baffling as trying to decipher their reports in the first place. We have a handy guide that shows what the response letters can mean, and what you should do in the aftermath.

No matter what happens, you need to be diligent to repair you own credit. Many people find hiring a Credit Repair firm is their best option, so they can sit back and not have to worry about the process. Click here to find our recommended credit repair service.

Most people who try repairing their credit after a bankruptcy already know the difference between Chapter 7 (no repayment plan and some debts can be eliminated) and Chapter 13 (court-ordered repayment plan to repay debts that can last 3-5 years). But repaying a debt, or even eliminating a debt cannot remove the negative item from your credit report, that can stay there for up to 10 years.

It’s sad, but many credit experts actually do not understand that negative items (such as late payments and charge offs) are actually reported to the credit Bureaus by the creditors, and bankruptcies (and other negative items like judgments and liens) are simply reported through public records and can actually be disputed for being misleading, biased or unverifiable. There is no law that says the item *must* stay for 10 years. Anyone who tells you otherwise is misinformed, or lying to you. The law actually states that the item cannot be on the credit report longer than the period of time. But the items can be removed (and often are… see below) for a number of reasons.

How can you dispute a bankruptcy?

Under the Fair Credit Reporting Act, any negative item can be disputed for being inaccurate, misleading, unverifiable, biased, or even incomplete. Under any of these circumstances, a consumer can send the bureaus a letter asking them to investigate the negative item (including bankruptcies) and verify the information. If, after 30 days, the credit bureau’s investigation turns up incomplete information from the creditor, or public records, under federal law, the bureau must remove the item.

Does disputing bankruptcies on a credit report get them removed?

In 2010, the nation’s leading Credit Repair law firm, Lexington Law Firm, helped over 16,000 people remove bankruptcies from their Credit Reports. Of course, they’re the experts, and doing it yourself is more of a crap shoot, so we recommend checking out Lexington Law before jumping out on your own. For a free consultation, call 1-800-608-6542 and talk to a credit expert today.

Check out Archer Credit’s Remove Bankruptcy from Credit Report page >

Transcript:

Most people have big hopes when they start out in life. But there are times when life just works against you and you can find yourself in a hopeless situation. Having a lousy Credit Score can feel like there’s nothing you can do.

But you can recover your credit score, and it doesn’t have to take 7 to 10 years like so-called “credit experts” will tell you. Having worked with many Credit Repair agencies, I have seen hundreds of thousands of credit scores go up by using a few simple, tried-and-true methods of repairing your credit. These are legal methods that have been proven time and time again to work.

1) Remove Negative Items

If you want to see the most improvement on your credit score in the shortest amount of time, then remove those stinking negative items! They are a killer to your score and make you look like a deadbeat to any loan officer.

Some people like to take on the system themselves. We have a credit repair guide that shows you how this can be done. We even include a bunch of sample dispute letters to get you started. Just remember to not give up no matter what you get back from the Bureaus.

Some people like to hire a service (the same people who don’t like to change their own oil or mow their own lawn). We have the best credit repair service on the planet right here >

2) Pay Down Your Debt

There’s no getting around this one. A high debt-to-credit ratio will kill your score just about as much as a bankruptcy. There are a bunch of techniques for getting your ratio to look good to a lender’s eyes, but one thing’s for sure, you can’t be maxed out or you can forget about your score looking good.

3) Build Good Credit

This last steps is actually several steps in one. Having a good credit score mean getting a diverse range of accounts, then maintaining them for a long time. These are the smaller parts of a credit score, but they are the important parts if you’re going for perfect credit.

We know a lot of the information on the web makes maintaining a credit recovery look next to impossible, but it doesn’t have to be. We contend that there really are only a few steps that you have to be aware of to keep your score at a respectable level. But the most important thing is to start today!

Here at Archer Credit, we are dedicated to bringing you the most current and best Credit Repair information so you don’t have to search everywhere to get your questions answered. Our Credit Info Center covers everything from knowing what is hurting your Credit Score, to doing something about it, to understanding the results.

Our Free Credit Repair Guide covers:

Getting Started -

• Getting Your Credit Reports Online – There are numerous resources, some free, some not. Which one is right for you?
• Understanding Your Credit Reports – It shouldn’t be very difficult to understand your own information, but the Bureaus sure like making it confusing. We break down what they’re *trying* to say.

Taking Action -

• Fixing Your Credit History – It’s the most biggest part of your credit score, and most damaging to your score when you’ve got negative items. What can you do about it?
• Reducing Your Debt - Not the funnest part of credit repair, but extremely important.
• Length of Credit History – how long have you kept your accounts open? Some tips to improving this portion
• Diversifying Your Types of Credit – You can’t just have one type of credit (store cards, revolving lines, etc). So what can you do to improve it?
• Removing Your Credit Inquiries – What’s the difference between hard and soft, and how can you get rid of Inquiries that are damaging that shouldn’t be there?

Getting Results

• Understanding Bureau Letters – What exactly are they telling you with certain types of response letters? We break it down.
• Credit Repair Timeline – How long will this take? We show you typical results and also how long it takes to get perfect credit.

It doesn’t take much to get started, but you do have to be dedicated. Let us show you how by visited our credit score guide.

A few years ago, mentioning the words “Credit Repair” conjured up images of shady characters in dark alleyways, demanding huge amounts of cash to create “new” credit profiles and the like.

But nowadays it is almost a necessity to partner with a reputable credit restoration firm that is experienced in improving your clients’ credit scores so that they can be approved for a loan at a decent interest rate. As a seasoned credit repair marketing expert I’ve seen my fair share from the credit repair giants to basement operations. For the mortgage professional, I highly recommend the leaders in financial services credit repair: Credit Unlimited.

Credit Unlimited has based their business around partnering with finance professionals like loan officers and mortgage brokers, creating a team that helps clients go from “unloanable” to “approved” in a matter of months. This not only helps the client, it helps the financial professional to close more loans by allowing them to continue to track the borrower’s credit scores and see when their score has improved to the point that they qualify for their loan.

We also pay a referral fee for every sign up. Many of the professionals that refer clients to Credit Unlimited use the extra money for holiday spending, vacations and paying off bills. A loan officer can get a 20% raise just by referring a credit-challenged borrower to Credit Unlimited. It’s a win-win for everyone.

How do you get started? Simply call toll-free at 1-866-440-6344 (ext. 207). I’ll be happy to help you with your first referral and get you started with a great relationship with an amazing company.

You can also check us out at creditunlimited.com/affiliate

Late payments on your credit report can lower your Credit Score as much as 60 to 110 points. You could only be one day late and it will report as a 30-day late payment. 60-day late payments and 90-late payments will also destroy your credit and make it impossible to get a loan. Lexington Law removed more late payments last year than anyone in the nation.

Lexington Law Removed 75,001 Late Payments In 2010

How many late payments do you have reporting on your credit report? 1, 3, 5 late payments reporting? Lexington Law removed over 75,000 late payments for their clients last year. That is almost hard to imagine how much Lexington Law has helped Improve Credit scores for their clients.

Call Lexington Law Firm Today at 1-800-608-6543 for a Free Credit Consultation or Sign Up Online.

You can see a full list of negative items removed by Lexington Law on their credit repair results page. See the results of the first quarter of 2011 and see the total amount of negative items that were removed in 2010.

Anyone can dispute late payments themselves, but not one has the experience to say they have removed 75,000 like Lexington. Delete late payments, erase late payments, clean late payments, they can do whatever is needed to get your credit report to where it needs to be by removing your late payments for good.

Let us know if Lexington Law removed a late payment for you below or if you have removed a late payment yourself. We would love to hear from you.

Lexington Law Firm Deleted

2,690 Negative Items

for Clients in Austin, TX in 2010

Austin had the 3rd most deletions in Texas after Dallas and Houston. Lexington Law removed over 2,000 negative items for clients in Austin, TX using the Fair Credit Reporting Act to its full potential. Anyone can repair their own credit, but Lexington has streamlined the Credit Repair process and made it possible for anyone to get the job done right.

Call Lexington Law Firm Today at 1-800-608-6543 for a Free Consultation or Sign Up Online

Austin is the capital city of the Texas and located in Central Texas. It is the fourth-largest city in Texas and the 14th most populous city in the United States. It was the third-fastest-growing large city in the nation from 2000 to 2006. The city is the cultural and economic center of the Austin–Round Rock–San Marcos metropolitan area, with a population of over 1,716,291 making it the 35th-largest metropolitan area in the United States.

Credit repair is the process of removing negative items from your credit report. Lexington Law removed more negative items from Texas than any other state. Take advantage of their expertise and experience to improve your credit scores and clean your Credit Reports.

Back in 1973, when the Fair Credit Reporting Act was created by Congress, there were few attorneys who understood the power that the new act gave them. Over time, law firms developed the ability to streamline their credit restoration practice by applying what they learned from one case to another. After hundreds of Credit Repair client cases, they start to learn what language is best used in a dispute letter, what kind of tactics work best when first dealing with a creditor, and what they need to do if they run into stall tactics. After thousands of cases, the best practices become very apparent. After millions of results, the best practices are honed and refined until they produce astonishing results.

Innovation brings us technologies like search engines. With billions of searches behind Google’s search results, you can pretty much bet you’re getting the best results on the front page of your search result. If you compared someone repairing their credit on their own, with someone who has done it millions of times, it would be like comparing Google’s search results with asking a random person off the street. You have no idea if you’re getting good results until the investment is made. You’re stabbing in the dark.

Let’s talk about Innovative Credit Solutions. Here are just a few:

• Since its inception has led the charge to bring quality credit repair services to the average consumer. Who is it?
• In 20 years of service, has helped over 1/2 million clients in their credit report repair efforts. Who is it?
• Last year alone, clients saw over 1,200,000 negative items removed from their Credit Reports. Who is it?

If you’re truly concerned about restoring your credit, and are looking for innovative credit solutions, then go with the trusted leaders in credit repair, instead of stabbing in the dark.

Lexington Law Firm Deleted

13,930 Negative Items

for Clients in Houston, Texas in 2010

Houston has had more deletions than any other city in the United States. Lexington Law Firm has removed over 13,000 negative items for its clients in Houston, Texas, because they have the experience and capabilities to get the job done right. Lexington Law uses the Fair Credit Reporting Act to help consumers in Houston and across the United States to fix their Credit Reports and get on the right track.

Call Lexington Law Firm Today at 1-800-608-6543 for a Free Consultation or Sign Up Online

Houston is the fourth-largest city in the United States of America, and the largest city in the state of Texas. According to the 2010 U.S. Census, the city had a population of 2.1 million people.

In 2006, the Houston metropolitan area ranked first in Texas and third in the U.S. within the Category of “Best Places for Business and Careers” by Forbes magazine. Twenty-five foreign banks representing 13 nations operate in Houston, providing financial assistance to the international community. In 2008, Houston received top ranking on Kiplinger’s Personal Finance Best Cities of 2008 list which ranks cities on their local economy, employment opportunities, reasonable living costs and quality of life. In the same year, the city ranked second on the annual Fortune 500 list of company headquarters, ranked first for Forbes Best Cities for College Graduates,and ranked first on Forbes list of Best Cities to Buy a Home.

Credit Repair in Houston has been changed and helped by Lexington Law Firm. Houston credit repair can be done by yourself, but it is recommended to use the experts. Lexington Law Firm is the biggest and most experienced credit repair company in the nation. Lexington removed over 1 million negative items last year and have helped over 500,000 clients achieve credit worthiness. Take advantage of this great opportunity today to get your credit where you want it to be.

Lexington Law Firm Removals For Dallas, TX In 2010:

4,410 Deletions

Lexington Law Firm is the biggest and most experienced Credit Repair company in the nation. T

 hey work in every city and state to help people improve their credit scores. Texas has more deletions than any other state including other cities of Houston and Austin.

Call Lexington Law Firm Today at 1-800-608-6543 for a Free Consultation or Sign Up Online

Dallas is the 3rd largest city in Texas and the 9th largest in the United States. They rank among the highest deletions in the nation with 1,197,816 residents. Dallas residents are protected under the Fair Credit Reporting Act that gives them the right to dispute anything on their credit report they believe to be inaccurate or unverifiable. Lexington Law helps consumers do this legally and affordable.
 
Lexington Law Firm’s lawyers are licensed to practice law in all 50 states. Take advantage of their expertise in credit repair and let your negative items become the next Dallas deletion.