There is no such thing as a magic bullet letter that removes everything negative from a credit report. There are a lot of CROs that believe that they truly have the best letter in the world for removing items off of credit reports. They are deluding themselves and falsely bragging about something they don’t have. The worst part, we have had member purchase some of these letter and have created more problems for themselves with their clients and one we know of was facing a law suit.

There are a lot of people in our industry that are only too happy to take your money in exchange for a letter that you can write on behalf of your client. Here is how to write your custom dispute letter:

1. In your letter, identify your client. Include his full name, address and any other address he has lived at in the past two years. Include his date of birth and social security number. Include a photocopy of his driver’s license and a utility bill to prove that he is the person who is signing the letter.
2. Identify the item that you are disputing. If it’s a trade line, include the account number. If it’s anything else, recite any identifying information of the item, as it appears in the credit report, in your letter.
3. State why the item is incorrect or inaccurate. This is where a quick conversation about the Credit Repair Organization Act becomes important. If you are repairing credit, then you are regulated by CROA. It’s illegal to make false statements to a credit bureau in connection with fixing credit. Hence, if your client knows that a trade line is his, do not dispute it on the basis that it’s not his or that he has no knowledge of it. This what separates the shysters from the pros. You can always demand that a credit bureau verify the accuracy of something without having to allege something that is simply not true.
4. State how the trade line should report. If you are disputing a trade line and not just demanding verification of it, then you should also tell the credit reporting agency just how the account should report or if it should be removed altogether.
5. Make sure your client sees and signs the letter. We understand that so many credit consultants do not want to share with their client exactly what they do but it is a good ideal for your client to know what is in your dispute letter. One can get their client to sign their letter using technology. You can use software such as RightSignature.com (which CCA use and like), Docusign.com and others, you can email the letter to your client to sign. Your client can sign the dispute letter from any device and the software will email both your client and you a signed copy of the letter. We recommend Rightsignature.com. It is very inexpensive and yet simple to use and effective.