Credit Repair Form Letter ??" Good to Use or Bad to Use?
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
There are thousands and thousands of form letters out there to choose from. There is also sample letter prepared by the government that can be found on the Federal Trade Commission website. Which is a better choice? How can you decide?
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 the form letters intimidate you and you just can't decide it may be best to write you own letter. If you are going to do this remember that you want to keep the letter short. Be direct and respectful. Briefly explain what the letter is and your purpose in writing it. If you have a friend, an accountant or other financial expert that you can talk to, get some advice about how to write the letter.
When you are writing your credit repair letter, pretend you are a lawyer. You want to write like a lawyer and not like someone who is angry, upset or frightened. Keep calm, just state the facts and don't get personal.
Things To Avoid
There are thousands and thousands of form letters out there to choose from. There is also sample letter prepared by the government that can be found on the Federal Trade Commission website. Which is a better choice? How can you decide?
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 the form letters intimidate you and you just can't decide it may be best to write you own letter. If you are going to do this remember that you want to keep the letter short. Be direct and respectful. Briefly explain what the letter is and your purpose in writing it. If you have a friend, an accountant or other financial expert that you can talk to, get some advice about how to write the letter.
When you are writing your credit repair letter, pretend you are a lawyer. You want to write like a lawyer and not like someone who is angry, upset or frightened. Keep calm, just state the facts and don't get personal.
About the Author:
Are you tired of barely keeping up with your credit card payment? Learn 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.
posted by Credit Counseling at
3:01 AM
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