You can find you an abundance of free credit dispute letters just by doing a quick search on the web. They are out there all over the place. But the first place you should look is on the FTC’s credit repair web site. This is a .gov (i.e., unbiased) site gives you the basics of the credit repair process, in addition to giving you a free credit dispute letter that you can use.
When you have found the free credit dispute letter you want to use, don’t leave it at that. You should find a variety of different free credit dispute letters that you can use. You don’t want to send just one letter template. Finding several will give you greater success with your disputes.
Also, you should change up a few words in whatever letter template you use, and you should use a variety of font styles and sizes from one letter to the next. You can even put in a couple typing errors to make them look more ‘real’. Make sure that the letter is perfectly legible when it is printed! If it is not legible, the person with the credit bureau who has to handle your letter will not bother trying to read it. Let the credit bureau know you are distressed about what is showing up incorrectly on your credit report. Don’t use bad language, of course, but you should be forceful.
Whatever site you end up finding your free credit dispute letters on should also give you a good idea what information you need to put on the letters so that you do your credit disputing properly. You can also probably find an online source that will allow you to create the credit repair letters using free online credit repair software. This will save you a lot of time and headaches since you will not have to actually write out the credit dispute letter or locate templates. One excellent service is CreditBlossom.com. This provides a free tool you can use—without even downloading it—to create your credit repair letters in minutes.
Matthew Wierzbinski was a mortgage professional for 8+ years. During that time he was able to help many ‘would be home buyers’ fix their own credit by following some simple instructions that he gave them with a ‘hands on’ approach. He found that most people just needed a little bit more help than ‘some good advice’. So, he put together a program that is now called CreditBlossom.com. This free program is new and unique on the internet. This program is really as free as credit repair can get!