In this ebook you will learn what secondary credit bureaus are and how they will effect you and your personal data.
There is a letter for every situation in this package! However, I highly suggest that you read
every letter and the laws mentioned in each letter, so you understand why it works!
With that said, there are two types of letters. One kind of letter goes to the credit bureaus, and the other goes to the data furnisher (debt collector, court, or original creditor). Never send a credit bureau letter to a data furnisher and vice versa. Never sign your letters with a “wet ink” signature, always type out your signature for every letter. Each Letter will require modification to suit your specific circumstances. If you send the letter as is,
you will not get the results you deserve. Make sure that specify what you are disputing. Keep it simple and clear. Tell the credit bureau the account
number, account name, why you are disputing it, why it's wrong and what you want the result to be, which we will call your instruction. You must give an instruction for every item you dispute so the credit bureau can comply with your dispute. Saying "not mine" is not disputing!
NEVER DISPUTE ONLINE. You are required to waive rights when disputing online and they do not offer options for every dispute type.
ALWAYS KEEP A COPY OF EVERY LETTER SENT FOR YOUR RECORDS! Keep a binder or file for all your records to prove all correspondence sent to the bureaus and received from the bureaus. Only include copies and do not send original documentation. With each letter to the credit bureau make sure you send:
• Your full name including middle initial (and generation such as JR, SR, II, III)
• Your date of birth
• Your Social Security number (you can list the last 4 digits and if they need for you to verify your identity further
they will let you know in writing)
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