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Hello all! Newbie here! Just beginning my credit repair journey. This is literally day 1. I have read most of the newbie posts and spent a lot of time reading some of the posts. However, I didn't see a clear answer to the letters subject. I have about 22-23 negative items on my credit reports from experian and transunion. I just requested credit reports from all 3 CRA'S yesterday because I recently got denied for credit and the 2 I have now are from June of this year. So I'm waiting on the recent ones to come in the mail. My question is, because I have so many negative items, what's the best way to go about grouping the letters? I saw a post that said 3-4 letters per month? Is that correct? I think it would be over doing it to send all 22-23 negative items in one letter to experian, then transunion, etc. So should I do one letter for each negative item and only do 3-4 per month to each CRA? Or should I do a group of 3-4 items in one letter to each CRA? I'm not exactly sure how often and how many? Then I was also confused because in one of the newbie posts it said we can call the CRA. I think i'm more comfortable with letters but I just wanted to know the best way to go about that. As far as grouping or timing between letters. Thanks so much for the help! And I apologize if this has already been addressed. I tried searching and couldn't find the answer.