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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Tag Archives: credit reporting

Debt Dispute Letter

It is such an inconvenience to discover an error on your credit report. The last thing you want to do is argue with agencies about accounts you had previously closed, late payments still appearing that are over 7 years old, credit inquiries reflected that are older than 2 years, or inaccurate personal information.
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Credit Reporting Errors

Credit reporting errors can happen to anyone at any time. An error can negatively impact your credit score and make it difficult to qualify for a mortgage or get a line of credit. Through no fault of your own your credit can easily be tarnished by an error. That’s why it’s so important to monitor your credit report closely and take appropriate steps to remove any errors you may find.
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Quickly Improve Credit Score

The best ways to quickly improve your credit score often take time and demonstrated effort, however there is one technique that may help you, especially if there are any mistakes on your credit report. These few simple steps have helped many people improve their credit scores, sometimes in as little time as a month. Try them yourself and see!
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Collection Dispute Letter

Disputing a debt with a collection agency can be a nightmare. Collection agencies don’t often take no for an answer and dealing with them can often feel like banging your head against a brick wall. You may need to send a collection dispute letter if you’ve wrongfully been assessed with a debt and the agency won’t listen, which can quickly escalate to harassment.
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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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Three Credit Reporting Agencies

It seems as though no matter what publication you are reading, what television channel you are watching or what internet website you are visiting there are advertisements or articles about protecting and maintaining your credit report and credit history. There are three credit reporting agencies that monitor your credit score Experian, Equifax and TransUnion. With all these companies watching you, why not let Credit Elves.com help you with their proven methods of credit history repair.
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Dispute Item On Credit Report

Everyone should know what their credit score is, because it’s the number used by lenders to determine whether or not you are a good risk for a loan. Your credit score is based on information contained in your credit report, information including all your addresses, any names you’ve had, how much total debt you’re carrying, if you make your payments on time, and if you’ve ever had accounts sent to a collection agency or declared bankruptcy. A bad credit score will prevent you from getting any major loan, for anything from your dream home to that car you’ve always wanted. That’s assuming, of course, that all the information is correct. If not, you may need to dispute an item on your credit report by using a service such as the dispute letters available on CreditElves.com
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How Often To Check Your Credit Report

In today’s financial world, knowing how to acquire your credit report, how to dispute claims or charges and how often to check up on your financial health are all important. Knowing how often you should check up on your money is an important factor, because you need to know that things can change quickly on your credit report, and how and why that might happen.
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Dispute Experian Credit Repair

Disputes with credit bureaus like Experian can happen, most often because people don't realize that they need to keep a close eye on their credit reports. By the time they realize there's a problem they can have serious credit issues that take a long time to correct. Rather than let that happen, be sure to get a copy of your credit report from Experian and the other two credit bureaus (TransUnion and Equifax) at least once a year. You can get them for free every twelve months, so it won't cost you anything to see what's on them. If you find a problem, dispute it right away.
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