Here’s a collection of typical sample derogatory account deletion and dispute letters to send to the credit bureaus or creditors with my comments on why THEY MAY NOT WORK!

I'll tell you how to write letters that really work, too!

Recommended Credit Repair Guides

Legally Remove Derogatory Accounts bankruptcies, slow pays, collections, tax liens, judgments, evictions, etc See Credit Secrets Bible

Sample  Dispute or Deletion Letters that don’t get “red flagged” like 94% of what the credit bureaus get.  Info not found on the web or taught by any other credit repair course See Credit Secrets Bible

Overwhelmed with Debt Use 5 unique letters to pay off bills for 35-cents on the dollar. Avoid BK, avoid hiring a debt consolidation service See Credit Secrets Bible

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I sincerely want to help clients obtain a great commercial loan for their business property, investment property or business use. If you are a consumer that has found my website on this subject, that’s fine, too.

Often credit issues keep me from being able to help people – at least until they can restore their credit to the level that’s needed to obtain a loan.

I’ve developed this section of the website to educate you on what really works and what’s a waste of valuable time to get derogatory credit items removed from your credit report.

The sample dispute, deletion or complaint letters commonly found in credit repair kits, like the one I have in my files from years ago) or posted on numerous websites, while well-intentioned, DON’T WORK.

I’ve taken the time to make comments on the most common dispute letters in the sample collection to help you understand why the letter is ineffective. But don’t get discouraged, I’m going to share with you WHAT DOES WORK in a minute.

What You’re Up Against with the Credit Bureaus and Creditors

Such sample letters that Demand Validation of Debt, Account Not Mine, Remove Inquiry by Creditor, Threat to Complain to the FTC and more are typically “boiler-plate” letters that the credit bureaus receive by the thousands each day.

Guess what happens with the majority of the letters the bureaus and creditors get?

They get put in the huge stack labeled “frivolous” dispute letter. Then they send you a “boiler-plate” letter in response to your “boiler-plate” dispute that says something like:

“We have researched the credit account. Account # XXXXX. The results are: Equifax verified that this belongs to you.”

Or, if you use a credit repair company such as the ones that advertise on the internet, like Lexington Law Firm, (which I tested out for a client with disappointing results) to send dispute letters, the response is, “We have received a recent request regarding your credit information that does not appear to have been sent directly to us by you. As a precautionary measure, we have not taken any action on your alleged request.”

These are actual statements I’ve read myself on credit reports.

Now what do you do? Where’s your leverage to keep disputing the derogatory account? You can keep writing a dispute letter on the same derogatory item and hope they fail to respond within the 30 days to catch them in a violation of the law. Then what do you do?

This is a very frustrating way of trying to remove negative credit items.

WHAT DOES WORK

Here’s the good news. There is an effective method to dispute and remove negative credit items that works.

I did a lot research to find authorities on credit repair strategies that really work. They are listed in the Credit Repair How To Guide page.

I bought all 3 guides myself to review the contents. You won’t be disappointed with the instructions given by these experts and you are always protected with a money-back guarantee.

I highly recommend you obtain The Credit Secrets Bible as your first choice. You'll learn how to write the right kind of dispute letter, who to send what to, and how to document everything to build leverage against the bureaus, creditors, collection agencies and other debt collectors to force them to remove derogatory accounts and accurately report your good accounts.

In the off-chance the credit bureaus, creditors or debt collectors are extremely stubborn after using the strategies in The Credit Secrets Bible, you will need to sue them.

Before I came across The Credit Secrets Bible, I recommended the Attorney’s Guide to Credit Repair. It’s very informative, too. I still include this guide as a recommendation because something in his information may “catch your eye” over The Credit Secrets Bible.

Now the guide, Good Credit is Sexy (yes, I know it’s a funny title) is the one I recommend you get if you have to sue your creditors.

You’ll learn how to sue your creditors and win. Winning in this case means two things: [1] Get the derogatory item deleted from your credit report and [2] collect fines from $1,000 and up for each violation of the law they commit against you. How’s that for getting even!

Best wishes in your efforts to restore your credit,

Naomi M