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?
Warning Signs
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?
There are many clues as to what kind of credit repair letter templates or samples to avoid. These are the ones that threaten legal action in words such as, "I'll sue". You also don't want to follow any credit repair letter templates or samples that could in any way be construed as threatening. "You better pay attention to this letter, or else," is an example of just such a threat, even if you haven't expressly spelled out what the "or else" means.
Another warning sign is sentences in phrases written in all caps or sentences ending with an exclamation mark. This is not a professional way to write. It is like screaming at a person and that is anything but professional. If you send a letter like this you can expect that your letter will be ignored. It is disrespectful and therefore will earn you no respect.
When Worse Comes To Worse
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.
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. - 15224
Warning Signs
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?
There are many clues as to what kind of credit repair letter templates or samples to avoid. These are the ones that threaten legal action in words such as, "I'll sue". You also don't want to follow any credit repair letter templates or samples that could in any way be construed as threatening. "You better pay attention to this letter, or else," is an example of just such a threat, even if you haven't expressly spelled out what the "or else" means.
Another warning sign is sentences in phrases written in all caps or sentences ending with an exclamation mark. This is not a professional way to write. It is like screaming at a person and that is anything but professional. If you send a letter like this you can expect that your letter will be ignored. It is disrespectful and therefore will earn you no respect.
When Worse Comes To Worse
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.
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. - 15224
About the Author:
Tire of struggling to keep up with your credit card debt? Get some simple credit card tips on the Debtopedia website. Get a free copy of my report "Secrets Of Credit Card Debt" at http://www.debtopedia.com
