Creditelves works by taking the information you provide and generating custom letters to credit bureaus on your behalf. You simply print out the letters and mail them to the credit bureaus. It's that simple.


Removing Charge Offs From Credit Report

What is a Charge Off?

A charge off happens when your creditor declares your account a loss. After 180 days of not making the minimum payment on your account, the bank can declare a charge off so that your account can be documented as a loss for the company. However, this doesn’t mean you’re forgiven of the debt. They will still expect you to pay the debt, and you can expect them to make repeated attempts to collect it.

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Free Credit Report by Mail

Requesting a free credit report by mail is fairly simple. You need to download a request form from one of the various reporting bureaus, print and complete the form, then send it off. It should take about 2-3 weeks to receive your credit report this way.

Addresses for the three credit bureaus are:


P.O. Box 740241

Atlanta, GA 30374


P.O. Box 2002

Allen, TX 75013


P.O. Box 1000

Chester, PA 19022

You can also request a cohesive report that includes information from all three bureaus from Their address is:

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Increase Credit Score Quickly

There are several ways to go about increasing your credit score, but only one way to really do it quickly. That is to resolve any mistakes, no matter how small, that may be on your credit report.

Begin by ordering your credit report from the three reporting agencies (Experian, TransUnion and Equifax). Although this may seem redundant, the three bureaus gather slightly different information when creating their reports, so each one will be a little different from the next. You can also get information from all three agencies at once by ordering your report from

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Writing a Dispute Letter

If you find a mistake on your credit report, it can be pretty disheartening. Here your credit score is being affected by something you didn’t even do. However, with the billions and billions of consumers in this country, mistakes are bound to happen. So, how do you fix them? By writing a dispute letter to the credit bureau reporting the error.

How do you know what to say and what to include in your dispute letter? This is where a company like Creditelves can help. For a small monthly fee of only $9.95 you can get access to templates that will help you compile your information into one cohesive, professional document.

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Credit After Bankruptcy

Have you declared bankruptcy? Are you worried about getting credit? Well, do not hit the panic button right away. Obtaining credit after bankruptcy is possible. In fact, it is important to restructure your credit record post bankruptcy since it is the way that creditors measure your creditworthiness. Bankruptcy delivers a heavy blow to your credit history and score. The score receives a major setback and it is important to improve the score to gain back the confidence of creditors. Bankruptcy more or less stays on your credit report for ten years; however, you can still qualify for loans and credits with good rates before the bankruptcy remark is removed.

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Finding Ways to Fix Bad Credit

Maintaining a good credit rating is crucial to everyday living. In fact, having a solid credit score enables you to make big purchases such as your dream house with the best interest rate offered. However, many people overuse their credit, can’t keep up with the payments and end up having a bad credit score. If you find yourself in this situation, you need to find ways to fix it.

With a bad credit rating, the chances of refinancing or getting a mortgage loan are significantly reduced. Therefore, if you have bad credit, it is imperative that you take the proper steps to alleviate the debt. Your credit rating will improve as soon as you pay off pending debts and you can then move on to becoming financially secure.

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Know About Dispute Credit Report

Your credit report contains valuable information about the way you make payments, your address, bankruptcy (if any) and it also contains information on your background. This report is extremely important because all of this information is taken into account by employers, insurers, and creditors before approving your credit. The Fair Credit Reporting Act (FCRA) maintains that the Federal Government ensures the privacy and accuracy of the credit bureaus. It is best to review your credit reports occasionally to avoid errors in the report. This report will be required for any job application, home loans or car purchase. When you check the report, you will then be able to find out if there are any errors and dispute them accordingly.

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Clean Up Credit Score

It is always helpful to invest time in cleaning up your credit score. This is mainly because your credit history follows you wherever you go, be it a new place or a new job. Your new lenders may be interested in knowing your reliability and will base it on your past history of financial dealings. It is quite possible that sometimes your credit report requires some cleaning up to do and be sure that it is possible to do so yourself. Although it might look like a daunting task, cleaning your credit scores is not as difficult as it looks like.

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Credit Repair Forms

If you are trying to increase your credit score, there are a multitude of credit repair forms that you will need. These forms include credit repair kits and can be found easily with many credit repair companies. Since there are many forms that should be filled, it is easy to get lost. Which forms should be filled, how should they be filled out and so on. Some simple suggestions that have worked for many people are discussed here, to help in filling the forms for credit repair and improving your credit score.

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Disputing Credit Reports

Disputing Credit Reports

Disputing credit reports is easier than you may have thought. It’s a matter of setting out a step-by-step course of action, getting some advice and forms from a company like, and following through with your course diligently.

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