Saying the RIGHT things, in the RIGHT way in your dispute letter is crucial. On the other hand, saying the WRONG things in your dispute letter could result in the bureaus putting a red flag on your credit files – which means credit repair just got a LOT harder for you.

Here are the addresses for the three credit bureaus that you will need:

Equifax
P.O. Box 740241
Atlanta, GA 30374

Trans Union
P.O. Box 1000
Chester, PA 19022

Experian
P.O. Box 2002
Allen, TX 75013

You can find samples of credit repair letters online but here is a list of information you will definitely need to include.

Identifying information
When writing a credit repair letter to the credit bureaus be sure to include your full legal name, your social security number, your current address and a copy of your driver’s license or passport.

Don’t feel like including this info? Then, expect the bureaus to send you stall letters and drag the process out for months longer than necessary.

Account information
Include as much information about the account in question as possible in your credit repair letter. Definitely include the name of the entry, the name of the original creditor, the name of the collection agency and the amount owed.

Your dispute
Incorporate into the letter as professionally as possible why you are disputing the entry on your credit report. If the entry is invalid, provide all documentation supporting your argument.

If the entry is being reported inaccurately you must have copies of the proof you have collected to support your claim. Supporting documents are very, very important to your dispute. It never hurts to quote laws that protect your rights. For example, “Under the Fair Credit Reporting Act (cite the paragraph or sentence that applies) this item is being reported inaccurately.”

Organization
You should mail your letters and copies of documentation to the three credit bureaus using certified mail through the postal service. You will have peace of mind know the bureaus received your letter. Keep copies of all correspondence in a safe place.

Perhaps keep a spreadsheet documenting the items disputed, when disputed, the result, etc. It might take more than one attempt to get the desired result you are seeking.

If you’re not an organized person – or if this seems like too much work for you, consider handing it over to an affordable credit lawyer – like I did.

No exceptions.

You surely are aware of people who refuse to wait 7 years for the information to “fall off”. Instead, they get proactive and delete information before the 7 years has expired.

Are you breaking the law by removing bad credit if you admit that the account may technically be accurate?

Are you sacrificing your ethics by disputing accounts you know belong to you?

Bad credit is NOT black and white. It is really a massive heap of gray area. You may be surprised to learn that you don’t have to wait 7 years to dispute and remove bad credit.

Learn more about how to legally dispute bad credit here.