Quick Tip #3: Skip the legalese.
Are you an attorney? No? Then don’t use legal jargon.
Do you write to your grandma using expressions like “pursuant to,” “furnisher of the disputed accounts,” or “aforementioned item to be deleted”? Of course not. No regular person would.
Do NOT write a paragraph like this one below:
“according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 (c) (B) (iii), which lists “the right of a consumer to dispute information in the file of the consumer” under the “model summary of the rights of consumers.”
Why? Because you are not an attorney and you don’t talk that way. It is OBVIOUSLY a form you got somewhere. Or else you hired someone to write a letter for you and they used legalese.
Either way, the letter containing legalese is not a genuine, sincere letter written by you, the everyday person who has an error on their credit report.
More and more, as credit repair becomes popular, the legalese form letters are being rejected by the credit bureaus. The scales are tipping in favor of DIY credit repair and with Repair Your Credit Like the Pros, you have the steps to do it yourself. The book also includes letters and instructions for writing successful letters.
Remember, anything that is not factual, correct, verifiable and verified, and fair must be deleted. Always follow the law and be truthful in your letters.