Do It YourSelf Credit Repair
5 part series
I want to give this information to you in a way that makes sense and will help most people out. Please note my disclaimer:
“I am NOT a lawyer, I am NOT a tax professional, I am NOT a CREDIT Professional. I am just someone who has had great results with this information I have gotten from someone who owned a credit repair agency. I got this information for free to me and so I am sharing it with people who follow me. If you have questions, need more help or advice about any credit issue you please seek out your local credit professional.”
SEND THIS LETTER AT THE SAME TIME AS LETTER #1
We are asking for documentation proving we were late, foreclosure on, bankruptcy, etc. They cannot send a computer print out, it must be the actual proof (i.e. copy of bill or contract to pay).
City, State Zip Code
City, State Zip Code
To whom it may concern,
Your company has sent a letter to the Credit Bureaus alleging verification that I was delinquent with a collection debt that I owed to you! This allegation may be in error. I would like you to send me the PROOF, assuming it exists, in accordance with the FDCPA section 809a & b.
- Send me copies of all original documents and/or contracts that prove this debt.
- Send me all records that prove late payment history. (Canceled Checks)
- Proof that the interest charge is legal and a part of the original contract.
- Proof that you did not violate the FDCPA section, 807 #8 through your previous letter to the credit agencies.
- Send me the NAME, ADDRESS, and PHONE NUMBER of the client your company represents.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
In addition, I do not wish to be contacted by phone by anyone in your organization for any reason. From this point on, the only communication with me shall be through the mail.
After 30 Days
You will receive automatically a copy of your credit report with the results of the investigation. It will say DELETED or VERIFIED.
IF IT COMES BACK DELETED, WE ARE DONE WITH THE PROCESS!
IF IT COMES BACK VERIFIED, YOU MUST GO TO LETTER #3 WHICH YOU’LL GET IN TOMORROW’S POST.