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: debt

Example Dispute Letter

There is nothing more annoying than coming to realize that there is a discrepancy on your credit report. The last thing you want is to be inconvenienced with pleading your case to those who may not believe you, feel they’ve heard it all before and will likely give you a bit of a hard time. If you are certain that collectors are demanding money for a debt that you do not owe, you can’t remember or the amount of the debt is incorrect, this debt must be disputed. Your best interest when disputing a debt of this nature is to do it in writing.
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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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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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