Credit Infocenter

Do Free Credit Repair Letters Really Work?

November 2nd, 2016 · No Comments · Credit Repair Letters

by Kristy Welsh

(Last Updated On: February 26, 2018)

Do free credit repair letters really work?If free credit repair letters really work, then why do people pay hundreds of dollars to credit repair companies to write and send the letters for them? Well, a couple of reasons come to mind. One, many people simply don’t know they can repair their credit for free. And two, others just don’t want to take the time to do it themselves. Either way, it doesn’t change the fact that, yes indeed, free credit repair letters work. Not every time, but often enough to make it worth a try.

1) Find the right template

The right one depends on the nature of the issue, like:

Browse our complete collection of free credit repair letters.

2) Tweak the letters to reflect your unique situation

Free credit repair letters are only as helpful as you make them, meaning they should not be used as is. Copy and paste each letter into a Word document and go through it carefully, making edits as appropriate to reflect the unique circumstances of your situation.

3) Keep records of everything

Save the letters to your computer; print hard copies if you like. When you mail your letters, send them certified with return receipt. Make note of the date your letter was sent and make note of receipt confirmation when it arrives on the other end. Hold on to all correspondence you receive from them. And if you happen to speak by phone (not recommended when dealing with collection agencies), make note of what’s discussed and when.

4) Follow up, need be

If you don’t get a response, you may need to follow up. For instance, the credit bureaus are required by law to respond within 30 days of receipt of your dispute. If they don’t, send them a follow up letter like this one.

Still not sure which letters to send where? Review our guide to free DIY credit repair. It will walk you through the process every step of the way.

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