I need a sample letter for credit repair???

Posted by admin on September 12th, 2008 at 12:00am

Question:
I need a sample letter for credit repair.?I am in the process of “cleaning” up my credit. I have several negative the books that should be scheduled for removal this year as per my State’s SOL. ( 7 years). My first one will be 7 years old this March. I need help with the steps on how to assure this will be removed from my account.1. does anyone have a sample letter that will help me with this?2. Who do I send this letter to?( The creditor or the credit reporting agency)?3. Will these accounts come off my account automatically or will I HAVE to write these letters? Can someone help me with the steps or share their own individual experience with this matter.

Answer:
-Old negative information should drop off automatically. Most of it falls off at 7 years. Bankruptcies and tax liens remain for 10 years. You should pull a copy of your credit report once the 7 years has passed. If it’s already dropped off (and it usually will) you don’t need to to anything. !
If it doesn’t drop off, a short note to the credit reporting agency should suffice. Do NOT have any contact with the creditor or any collection agencies about these! That can trigger a “re-aging” of the account. You’d then have a fight on your hands trying to get it removed.

-You will not need to request that these accounts be removed- it will come about automatically on the 1st day of the month before it is due to fall off. So, if an account was due to fall off on March 1st, it fell off on February 1st.

-I have found an ultimate solution for you! This guy will repair your credit in no time. He will also give you a FREE credit repair mini course, so you can learn where to start. Before that you should know a few facts:1. You don’t need a lawyer to eliminate your debts!2. You don’t need a credit therapist to fix your credit for you!3. You don’t need any kind of so-called professional to help you at all!

Under Credit Repair