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.


Sample of Credit Letters

No one wants to be stuck with the task of disputing with or addressing a credit agency. Unfortunately there are times when this is the only option. It is important that as consumers we stay on top of our credit reports to ensure that all information is accurate and scores are intact and as expected. This starts with a thorough check. Be sure that every 6 months to a year you assess your credit reports from all three agencies. You can obtain your credit information by contacting the agencies by utilizing the information below:

Equifax – P.O. Box 740241
Atlanta, GA 30374

Experian – P.O. Box 2002
Allen, TX 75013
1 888 397 3742

TransUnion – P.O. Box 1000
Chester, PA 19022

Be sure to check all credit reports to make sure that all personal information is correct, there is no outdated information, and there is no evidence of inaccurate payment history (including late or missed payments inaccuracies). Check to be sure that there are no open accounts that should be closed and all accounts are accurately documented. Any accounts that have been sent to collections for unmerited reasons should be immediately addressed.

Please keep in mind that the information on your credit report can ultimately affect your credit, your insurance, where you live, and even your employment. You want to be certain that you are best represented as a consumer as it affects many facets of your lifestyle.

Writing a credit letter can seem overwhelming to most. The good news is that it doesn’t have to be. The professionals at CreditElves are experts in writing letters to creditors that seek the timeliest and most desirable results for clients. CreditElves customizes letters to properly suite our need by offering very specific and accurate information regarding your personal claim. A sample of a credit letter can be found below:

Today’s Date

Your Full Name
Current Address
Current Phone Number

Attention: {insert credit reporting agency name}
{add CRA address here}

Dear {credit reporting agency}

This letter is a formal request to correct inaccurate information contained in my credit file. The item(s) listed below is/are completely (insert appropriate word(s) {inaccurate, incorrect, incomplete, erroneous, misleading, outdated} ). I have enclosed a copy of the credit report your organization provided to me on {insert date of report here} and circled in red the item(s) in question.

Line Item: {insert name of creditor, account number or line item number)

Item Description: (this info is found on your credit report)

Requested Correction: (describe exactly what you want. If you want an item deleted say so and explain why. If you want an item corrected or updated, provide the correct information such as names, dates, amounts and so forth and any evidence to support your claim).

In accordance with the federal Fair Credit Reporting Act (FCRA), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately {delete, update, correct} the item.

Furthermore, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months.

If your investigation shows the information to be accurate, I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act.

I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at (insert daytime phone number including area code).


Your Printed Name

Again, this letter is just a sample letter that could potentially be effective when addressing creditors. Letters accompanied by proof (such as statements and/or receipts) are most effective as there little to no room for dispute when there is proof in your favor.

If the idea of writing a credit letter still seems overwhelming to you simply relax. Contact the experts at www.CreditElvescom. Professionals are standing by to help you today

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