Continuing on from my previous article I want to give you more of an insight as to what type of person you are up against and how vitally important it is to get through to them when writing your letter of dispute.
Please understand I am not insulting the people answering the letters at the credit reporting agencies. These folks are not the highest paid people in the work force. This nondescript job might pay around $ 12.00 per hour and frankly it is mind-numbing. Keep this in mind when you're writing your letter. This person must respond to your request. After opening your letter they automatically check to see if your social security number and that the amount of the debt in dispute is accurate. this is called verification of the debt. No one even asked if the debt was beyond the statute of limitations.
We know when we write a letter of dispute we are disputing something we found in our credit report we believe is inaccurate. We simply want to credit reporting agencies to verify the information that we are disputing as accurate. We might even get lucky and get the negative information deleted, but that is only the first step.
When you get deletions from your credit files after you've sent letters, it is only because of two things:
A. The person that read your letters knew you were an informed consumer.
B. The reasons you gave for your dispute were legitimate.
Remember that the credit reporting bureaus can throw your letter right in the trash if they feel it is frivolous. They have the right to do that. This makes it critically important that you do the letter right the first time. In my next article I'll give you some letter writing advice that should give you a fighting chance at getting your letter not only read, but get the cancellation you desire.