Successful Credit Dispute Letters

If you have ever tried to apply for a loan, rent a home, buy insurance, or get a new credit card, a thorough evaluation of your credit history has been conducted in order to determine whether or not you are a financially stable individual. Credit reporting companies sell your information to entities such as banks or landlords who then use that information to decide whether or not they will grant you a loan or approve your application. Because so many major interactions rely so heavily on credit reports, it is incredibly important that your personal information and credit history are accurately represented and detailed by these credit reporting companies. If you are struggling with an inaccurate credit report, you know exactly how frustrating it can be to correct these issues and deal with these companies. Fortunately, the attorneys at Hong Law, PLC, have experience in dealing with issues like these, and we can offer the help you need to solve your problem.

Writing Your Letter

When you have identified an error on your credit report, the first step in correcting it is to sent a credit dispute letter. Often this letter will be all you need to solve your problem. Effective credit dispute letters share a few common qualities, such as:

• Specificity in outlining the mistakes
• Clearly documented evidence supporting your claim
• A firm request that the error be corrected

While many credit reporting companies will respond well within the required thirty day deadline, many credit dispute letters are denied or ignored as being “frivolous.” In order to ensure that your letter is taken seriously, you should seek the advice and assistance of a qualified attorney.

Contact a Cedar Rapids Bankruptcy Attorney

Inaccurate credit reports can affect every major transaction in your life, and you shouldn’t have to suffer through this due to someone else’s mistake. If you have questions about what steps to take during or after writing a credit dispute letter, call the Cedar Rapids attorneys of Hong Law, PLC, at (319) 294-5853 to speak to a member of our legal team today.