Proper Use Of The Credit Dispute Letter

One of the greatest benefits of the Fair Credit Reporting Act is
that it allows the consumer the ability to dispute inaccurate
information on their credit file. And, one of the best methods
to accomplish this, is the dispute process. The purpose of the
dispute letter is to give the consumer an avenue to ensure that
the information contained on their credit file is accurate and
up-to-date.

Once inaccurate or outdated entries are discovered, the dispute
process begins with the dispute letter being created. To get the
best results a separate dispute letter should be created for
each negative or outdated entry; this helps ensure that each
entry is fully investigated. The dispute letter is the
consumers' legal means of correcting their credit file, so as
with anything legal, there are guidelines that need to be
followed. The letter should contain:

 Consumers Name  Social Security Number 
Current Address  Contact Phone Number  Disputed
Account Number  Reason For Dispute  Any
Supporting Documentation

To properly utilize the dispute letter requires that follow-up
letters and various other credit repair techniques are also
used. The only way to properly ensure that all the tools needed
to completely repair the credit report are used is the use of a
professional credit repair organization like Millennium Credit
Service, and their website is located at
http://www.millennium-credit.com