Credit Repair: Are free dispute letters working?

I feel compelled to speak out on the topic of free letters for credit repair that are available on the Internet, because what’s happening to some people is tragic.

Recently — and many time in the past — someone sends me an email something like this:

Dear Carolyn,
Before reading Repair Your Credit Like the Pros, I sent <this letter> to the credit bureaus. They rejected it. What should I do now?

The letter they sent was one of those free downloadable letters. Because of what the letter said and the information in the letter, these people had done irreparable damage to their ability to get the derogatory account deleted early.

“Free” can be extremely expensive! A bad dispute letter might cement a negative account to your report like concrete. In some cases, they will need to wait for the derogatory item to age off their report. In other cases, they can try again after waiting 3 to 6 months.

If you want results like the top, experienced pros, then you must follow the strategies the pros use. One thing they don’t do is list all of their negative accounts in one letter. Another mistake is telling the credit bureaus that the balance on a paid off collection is wrong. A third mistake is sending out a dispute letter before you have cleaned up your personal identifying information. I could go on… but let’s look at this…

Here is a comment posted on one of my blog posts last week by a book reader named Darcy:

“Carolyn Warren is the best! I went from a 550 to 805 with all 3 bureaus within 6 months based on her simple but effective letter pack. Life changing. I now have over $150,000 in personal credit and I’m using that to leverage business credit. Worth every penny. FYI the book are a good read as well.”

Thank you, Darcy, for sharing your success with us!

If your credit is at a low point, grab onto hope! Darcy’s scores were at 550 and now they are top tier! With a score over 800, she has respect in all business arenas.

You can’t change the past, but you have control over your future. As we go through the holiday season, don’t throw your common sense out the window and over-spend.

The sacrifices you make today will pay off when you achieve good credit.

If you want the letter packet Darcy used, pick up a copy of Repair Your Credit Like the Pros, available in paperback and on Kindle at Amazon. The link for the letters is here.

Paperback and Kindle

24 thoughts on “Credit Repair: Are free dispute letters working?

  1. Greetings!

    I wanted to thank you for the gift of your amazing book! I am new to the credit repair business and hoping to receive your letters to help be more successful in my business.

    Thank you!

  2. I’d to receive the template/letters. I purchased the book Repair your Like the pros a few years back but never got around to completing the book and really getting serious of improving my score.

  3. Hello Carolyn, I have purchased your book and I am requesting the letters that are pretemplates that go along with your book.

  4. So, my sister’s been dealing with some credit woes, and after stumbling upon this 90-day money-back guarantee Credit Repair service, she’s intrigued. With the promise of results or a refund, it’s like a safety net for her financial journey, and I want to help her explore this option to give her credit score the boost it needs. She should know though that a poor dispute letter might solidify a bad account in your report like cement. As you said, they might have to wait for the negative item to fade from their record. In other circumstances, you explained that they have three to six months to try again.

    1. I suggest that she look on the Better Business Bureau website to see if there are complaints about the company. Also, Google search the company name + complaints. That way, she can see if the guarantee is real or if there a lot of complaints from people saying there were no results and the company had a loophole for not refunding their money. Many so-called guarantees are actually fake because of the many conditions attached to the guarantee.

  5. Happy New year with results coming soon, I purchase your book from Amazon, I’m so glad I did this one weeks ago. I’m not a person to pick up a book and read. I often feel some books are full of Fluff and still don’t tell you anything, But definitely not this one. Thank you so much, I love how your book gives you the options to go to different chapters (as you stated) if you need to. And I just received my letters from you. so indeed, you are true to your word, I feel excited to tackle these issues. Thank you again. I will pass your book alone to my family and friends.

  6. Hello Ms. Carolyn.
    Thank you so much for taking the time to write this craft.
    I have set myself to continue reading the series. I need those informations so badly.
    PS. How do I get the docx copy of the letters please?
    I did purchase a kindle version.
    The comments above says that there should be a code that I should have found in the book.
    Unfortunately, I didn’t seem to notice any code.
    Please, help!
    Thank you!

  7. Hello Ms Carolyn.
    This is JaQuavion I previously purchased and read your book I’ve requested an email with the files but still haven’t received them yet can you get back with me asap thank Yu.

    1. WordPress, the host of my website, had technical issues today that were out of my control. I did personally send you the letters today. I am sorry that you had to wait and that the automated system didn’t work properly today.

Leave a Reply to Rasheedah DavisCancel reply