If you are getting bothered by debt collectors or if you have discovered that there is an error on your credit report, then you already feel shaky enough as it is. Perhaps you feel off balance and wonder how these mistakes were made. Under this kind of mind set, you don't really want to try and learn a new skill, such as trying to write a credit repair letter. Templates of these kinds of letters are available online. But should you use them?
Things To Avoid
If you enter "credit repair letter template" into any search engine, you'll come up with literally thousands of free templates for you to choose from. Or, should you ditch a template entirely and go with copying the FTC's recommended credit repair sample letter up on their website?
When you are trying to choose a form letter to go by there are a few warning signs to look for of letters you do not want to use. For example, if a letter is threatening you do not want to use it. Words like, "if you ignore this letter I'll sue" or "you better stop harassing me" are phrases to be avoided. If a form letter contains statements like these keep looking. You do not want to send this type of letter to a credit bureau or any of your creditors.
You also want to avoid a credit repair letter template that has sentences containing ENTIRTELY CAPITAL LETTERS LIKE THIS. This is not only considered rude, it's also considered the mark of either an amateur or a scam artist. Letters containing a lot of capitalized words or exclamation points are not taken seriously because they look like they are written by a child.
Overwhelmed by Your Choices?
If this is all very confusing, then you should forget filling in the blanks in a credit repair letter template. Just keep in mind that you need to keep your letter as brief as possible. If you want, it's all right to say, "Dear So and So: This is a credit repair letter. I want to (whatever you want accomplished)." If you have an accountant, then by all means ask for their advice or for their recommendation of what credit repair letter template to use.
Write the letter as if you are writing it for someone else and you are not personally involved. You do not want to show any emotion ??" anger, fear or frustration. Just state the facts as clearly and briefly as possible.
Things To Avoid
If you enter "credit repair letter template" into any search engine, you'll come up with literally thousands of free templates for you to choose from. Or, should you ditch a template entirely and go with copying the FTC's recommended credit repair sample letter up on their website?
When you are trying to choose a form letter to go by there are a few warning signs to look for of letters you do not want to use. For example, if a letter is threatening you do not want to use it. Words like, "if you ignore this letter I'll sue" or "you better stop harassing me" are phrases to be avoided. If a form letter contains statements like these keep looking. You do not want to send this type of letter to a credit bureau or any of your creditors.
You also want to avoid a credit repair letter template that has sentences containing ENTIRTELY CAPITAL LETTERS LIKE THIS. This is not only considered rude, it's also considered the mark of either an amateur or a scam artist. Letters containing a lot of capitalized words or exclamation points are not taken seriously because they look like they are written by a child.
Overwhelmed by Your Choices?
If this is all very confusing, then you should forget filling in the blanks in a credit repair letter template. Just keep in mind that you need to keep your letter as brief as possible. If you want, it's all right to say, "Dear So and So: This is a credit repair letter. I want to (whatever you want accomplished)." If you have an accountant, then by all means ask for their advice or for their recommendation of what credit repair letter template to use.
Write the letter as if you are writing it for someone else and you are not personally involved. You do not want to show any emotion ??" anger, fear or frustration. Just state the facts as clearly and briefly as possible.
About the Author:
Tire of barely keeping up with your credit card balances? Get some simple credit card tips on the Debtopedia website. Visit http://www.debtopedia.com for a free copy of my "Secrets Of Credit Card Debt" report.
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