Credit Repair Do’s and Don’t's

Do not use dispute forms or file numbers provided by the bureau. This will cause fewer delays by the credit bureau asking for clarification.

Do not allow anybody to send dispute letters. The credit bureau will think you hired a credit repair company or law firm to repair your credit. This doesn’t work as well as if you sent it personally.

Do not confirm any information on an item if any of it is wrong.

Do not use letterhead. This will look as though somebody is doing this for you.

Do dispute all the negative items in question on your report. Credit bureaus must verify by law all items in dispute.

Do send all letters return receipt mail.

Do send disputes during the busiest times of the year. Send disputes from October through January. These are the busiest times for creditors and credit bureaus.