“My credit report shows several negative accounts that I need to dispute. Can I include them all in one letter?”
This is a common question, and I go into detail about how the professional credit repair specialists handle it in Repair Your Credit Like the Pros. But let’s talk about common sense.
If your credit is mixed up with another person’s credit, such as your name is Charles Moon, Jr. and Charles Moon Sr.’s credit is showing up on your report, then you should include all of Sr.’s credit accounts that do not belong to you in one letter. Also include two pieces of ID showing you are Jr.
If you were in the hospital getting an appendectomy and some of the bills went into collections because your insurance company messed up, then include all of those collection accounts in one letter, because they are all related to one event.
So, if the erroneous negative accounts are all related, include them in one letter — and if possible, send verification along with it.
On the other hand, if your report shows a collection account from Comcast dated 2013, and a collection account from Sears dated 2016, then it’s clear that those two accounts are not related to one another. Therefore, you must dispute them separately. For each, explain why it is incorrect and request that it be removed from your credit report. You can use a handy Credit Investigation Request Form that goes with the book if you like. It’s a good idea to hand write a short explanation in the white space. Or, if more appropriate, you can use a letter.
Some people have asked me what I think about the 609 template letters. I know a lot of people use them, and that’s one problem. They are over-used. Another problem is that they sound like legalese, not like something an honest citizen would write about his/her situation.
What’s more, the top credit repair experts that I interviewed and have worked with do not use those letters. The book is called Repair Your Credit Like the Pros.
Credit repair is a big topic and it is both simple and complex. It’s too much for a blog post, but I hope that using common sense will make sense to you for your situation. For more detailed instruction, please see the book.
For the record, I do not do credit repair, nor do I give credit advice by email. I am a licensed mortgage loan officer in California and Washington; and as all mortgage professionals do, I have helped my clients get approved for a home loan.