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.

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Category Archives: Credit Dispute

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.
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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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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 Creditelves.com, and following through with your course diligently.
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Credit Report Dispute Process

The credit report dispute process may be easier than you think. For one thing, it is a very inexpensive proposition; you can get copies of your credit reports for free, once a year. Taking advantage of this free process is something you have to do so you are not unpleasantly surprised during a major purchase attempt.
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Dispute Letters to Creditors

Dispute letters to creditors are all part of the process of getting your good credit name back if you’ve gotten into a little trouble over the years. It all starts with copies of your credit reports, which you can then check for errors. These errors can be disputed with credit reporting agencies (TransUnion, Experian and Equifax) with a dispute letter (although Experian prefers you conduct the dispute process online). Errors on your credit report might include such items as charges that are over seven years of age. The law requires that these items be removed after that period of time; bankruptcies however, take ten years to come off.
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Credit Dispute Letter Templates

Having bad credit does not mean you will be automatically turned down for credit or a loan! There are ways to get past your bad credit history and turn it around so that you not only can get a loan, you can get favorable interest rates as well. It all starts with you applying for reports from the three major reporting agencies, TransUnion, Experian and Equifax. Once a year, and each time you might be turned down for credit, you are entitled to a copy of your credit report for free.
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Credit Report Dispute Letter

It can be disconcerting and upsetting to be denied a loan or a credit line due to a bad credit score. Know what your credit history looks like on paper before you apply, and avoid embarrassment and potential denial of credit with just a few simple steps. You can take care of this matter on your own for the most part, with a little help from credit professionals like Credit Elves, who supply credit report dispute letters to get your credit in shape.
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Sample Credit Dispute Letter

Creating a sample credit dispute letter to have on hand for future reference is always a smart idea. Having the sample will make it easier for you to write to creditors in the future if it is ever needed.
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Write Credit Dispute Letter

Every so often in your lifetime, you are going to want to make a major purchase such as a car or a home and unless you were born into serious money and have no need for banks or lending institutions, you will need to have a good credit score, just like everybody else. But do you know for sure what it is?
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Credit Bureau Dispute Letter

Writing to a credit bureau does not have to be as intimidating as many people make it out to be. Really, it’s not you are simply asking to dispute a problem that they have made. Writing a credit bureau dispute letter is easy, and helps to keep them on their toes they are not perfect.
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