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.


Letter to Credit Reporting Agency

Writing a letter to a credit reporting agency is necessary if you find inaccurate information in your credit report. Knowing what to write can sometimes be a bit tricky though, and that’s where a professional like Creditelves can help.

It’s important to monitor your credit score and the information in your credit report closely. Identity theft and credit card fraud runs rampant nowadays. With the onset of the internet, taking your credit information is easier than ever. Additionally, you are only one of millions of consumers using their credit on a daily basis. That means small mistakes can occur easily – small mistakes that can have a big impact on your credit score. Some things you should watch for include:

  • Out of date information. Any late payments, overdue child support, late payments and things like that that are more than 7 years old shouldn’t be on your credit report anymore. Also, credit inquiries performed by potential banks, creditors, landlords and employers should fall off after 2 years.
  • Correct documentation. All of your accounts should be documented correctly. If you didn’t miss any payments on a particular account, there shouldn’t be any late payments notated there. Also, all accounts you closed in the past should be clearly marked with language that resembles “closed by consumer.”
  • Fraudulent activity. If you don’t recognize an account, it can indicate identity theft and fraud. Pay close attention and act accordingly if you find something like that in your credit report.

If you do find a mistake it’s time to write a letter to the offending credit reporting agency. Creditelves has a variety of templates to help you compose a professional letter that will stand out from the thousands of other dispute letters the credit agency receives. They will help you compile your personal information, any details you may have regarding the error, proof that a mistake has occurred and any other information that will help the agency understand what happened. The easier you make it for the credit agency, the faster they will respond to your letter. That’s why it can be helpful to use a company like Creditelves who knows exactly what the agency needs from you to make an informed decision about your claim.

After your letter is received, you should get a response within 30 days. If the agency rules in your favor, they will simply remove the mistake from your report, which should have a positive trickledown effect on your credit score. However, it’s your responsibility to make sure each agency is notified of the change and follow up to make sure the appropriate changes have been made.

If they decide the entry is valid, you can request a change again using another of Creditelves’s templates, or insert a notation to that entry explaining what happened.

Creditelves specializes in composing letters to credit reporting agencies. They know exactly what information is necessary to help you fix any mistakes on your credit report and improve your overall credit score. For more information on writing a letter to a credit reporting agency, or to let Creditelves help you compose your own letter, visit today.

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