To repair your own credit, find the negative items on your credit report first!
Then use this free sample credit repair letter to dispute the negative items on your credit report. Don't go overboard, dispute one or two items, wait a while and dispute a few more. It is not a bad idea to write them out by hand. Do it yourself credit repair takes time. After you have removed all the negative items that you can you may want to contact a credit repair service.
Date
Your Name
Your Address
City, State, Zip Code
Your Social Security number
Complaint Department
Dear Sir or Madam:
I recently obtained a copy of my credit report from your agency and found the following item to be in error:
Item 1: I dispute ABC credit card account number 555111. This account has been paid in full. (this is not my account)
I am requesting that the item be (removed, updated, or other suggested change) to correct the information.
Enclosed are copies of (use this statement if you have bank statements, cancelled checks, or other documentation) supporting my position.
Sincerely,
Your name
Enclosures: (List the documents you are enclosing. If none, do not include this section).
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