Credit Repair

CREDIT REVIEW AND DISPUTE

Dear client,

Thank you for contacting me for your mortgage needs. I have provided below step-by-step instructions on how you can get a free credit report and/or to dispute an item(s) from each bureau. You are entitled to one free credit report from each bureau in a 12-month period.

There are two ways of disputing your credit report. Online with each credit bureau or you may send a written letter to each bureau. Both of these options are outlined below.

You can also request all three of your reports from www.annualcreditreport.com. If you plan to dispute items on your credit, go to each bureau separately.

Transunion Credit:

1. How to get a free credit report-
   1. Go to www.transunion.com
   2. Click on the Personal Tab
   3. Click on Free Credit Report on the right under “Credit Reports and Monitoring.”
   4. Click on “See your free credit report”
   5. Choose State, then complete the form and submit

2. How to dispute items on your credit report-
   1. Go to www.transunion.com
   2. Click on the Personal Tab
   3. Click on “Learn More” under the “Want to dispute an item on your Credit Report?”
   4. Then click on Submit a Dispute
   5. You will be given three options of how you would like to submit your dispute, (online, phone, or mail).
   6. If you choose online, click online (You may need a copy of TransUnion’s Credit report).
   7. Click on first-time, and complete information.

Experian Credit:

1. How to request your free credit report-
   1. Go to www.experian.com
   2. Click on “get your free credit report & score”
   3. Enter your information
   4. Click on submit and continue

2. How to dispute items on your credit report-
   1. Go to www.experian.com
   2. At the bottom of the page under “additional services & products” then “credit report assistance, click on disputes
   3. You will be given several options

                                                               i.      If you have an Experian credit report, click on “Yes, I have a credit report number”

                                                             ii.      If you have an account, login and click on the Dispute information tab

                                                            iii.      If you do not have a report, then you will need to order one from Experian. You can also mail your dispute in.

d.    Complete all information and submit

Equifax Credit:

1. How to request your free credit report-
   1. Go to www.equifax.com/fcra
   2. Complete information and submit

2. How to dispute items on your credit report-
   1. Go to www.equifax.com
   2. Under “Other Credit Service,” click on “Start a new dispute”
   3. You will need a copy of an Equifax report. You can also send in your dispute by regular mail.

You will be given three options from each bureau (online, phone, or mail). The fastest way is online. They will send everything to the email address you provide within a short period. If you choose mail, it typically takes up to 30 days for them to send you a credit report, and then you will have to dispute thereafter.

 Please do not hesitate to contact me and/or one of my assistants if you have any questions. I look forward to speaking with you again soon. 

Sincerely,

Paul E. Skeens

If you are interested in doing things the old fashioned way, we have also provided example letters (See Below) 

you can complete and send in to each bureau by mail. 

Example Letter 1:

January 10, 2004

Equifax/CBI

P O Box 740241

Atlanta, GA 30374-0241

(800) 685-1111

www.equifax.com 

To whom it may concern,

Listed below are two items that you are reporting as open collections on my report.  I have enclosed documentation to show that they have been paid.

1. First American Bank of Kabul – settled/Paid

2. Collections -R-Us  - settled/Paid.

Listed below are two items that you are reporting as having been 60 days late in October 2000.  These accounts were never late.

1. Ford Motor Credit- never late

2. No Cash 4U Visa- never late

Please investigate this matter with each creditor and change the status of the account to report that they have been paid.  Please send to me a copy of the complete corrected credit report.  Thank you.

Sincerely,
 

John Q. American
SSN 000-00-0000
9400 Livingston Road
Fort Washington, MD 20744

Example Letter 2: 

January 10, 2004

Trans Union

PO Box 2000

Chester, PA 19022

 (800) 916-8800

www.transunion.com

To whom it may concern,

Listed below are two items that you are reporting as open collections on my report.  I have enclosed documentation to show that they have been paid.

3. First American Bank of Kabul – settled/Paid

4. Collections -R-Us  - settled/Paid.

Listed below are two items that you are reporting as having been 60 days late in October 2000.  These accounts were never late.

3. Ford Motor Credit- never late

4. No Cash 4U Visa- never late

Please investigate this matter with each creditor and change the status of the account to report that they have been paid.  Please send to me a copy of the complete corrected credit report.  Thank you.

Sincerely,

 John Q. American
SSN 000-00-0000
9400 Livingston Road
Fort Washington, MD 20744

Example Letter 3:

January 10, 2004

Experian

PO Box 2002

Allen, TX 75013

(888) 397-3742

www.experian.com/reportaccess

To whom it may concern,

Listed below are two items that you are reporting as open collections on my report.  I have enclosed documentation to show that they have been paid.

5. First American Bank of Kabul – settled/Paid

6. Collections -R-Us  - settled/Paid.

Listed below are two items that you are reporting as having been 60 days late in October 2000.  These accounts were never late.

5. Ford Motor Credit- never late

6. No Cash 4U Visa- never late

Please investigate this matter with each creditor and change the status of the account to report that they have been paid.  Please send to me a copy of the complete corrected credit report.  Thank you.

Sincerely,

John Q. American
SSN 000 00 0000
9400 Livingston Road
Fort Washington, MD 20744