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 reports

Correcting Credit Reports

Having good or excellent credit is something that should be very important to you. Your credit rating can affect what kind of job you will be able to get, the type of dwelling you will be able to live in and the type of car you will be able to buy. Overall, your credit rating will determine if you qualify for a loan or mortgage and how high or low your interest rate will be. People with a low credit rating are often only offered loans with a high interest rate. The higher the interest rate, the more money you will have to pay every month. Lower interest rates allow you to focus on paying off the principle debt in a shorter amount of time.
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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:
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Creditor Dispute Letter

The mere thought of taking on the task of disputing with a creditor is likely draining and overwhelming. This task requires knowledge, patience and persistence so that you may ensure that your credit and your credit score are in good standing.
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Letter for Credit Dispute

Correcting an error on your credit report requires patience, diligence and follow-through to help improve your credit score, and make sure your score accurately reflects your financial history.
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Removing Charge Offs From Credit Report

If you’re not successful and the charge off remains on your account, it’s generally best to try and pay down the debt. Mortgage lenders, banks and car loan companies won’t give you a loan if you have an outstanding debt on your credit report. This can be problematic if you plan to make a sizeable purchase in the next 7 years. That’s why it’s always better to have a “charge off settled” or “charge off paid” entry on your report than just the charge off.
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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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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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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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