A credit dispute letter will help clear any discrepancies concerning your credit report. People might not be aware of this fact but credit bureaus have to reply and address grievances sent in the form of a credit dispute letter under the law. You may find it a bit intimidating writing dispute letters to credit bureaus and agencies. However, these tips will help you write a good credit dispute letter, to settle discrepancies regarding your credit report.

Do not rely on templates
You may come across a number of free and paid templates to make use of while writing these letters. However, credit bureaus will be able to tell the difference between an original letter and template based letter. Although templates might save you time, and may not necessarily cost you much, they will not be effective. The process of filing a credit dispute letter is no different than filing a claim for say, your insurance. What you put in the letter will determine its outcome. To preserve the integrity and authenticity of the message you want to send across, writing it in your own words will certainly help your cause.

Think out of the box
Following up credit repair with any bureau for that matter can be a tedious and time-consuming process, which is why many people tend to give up after some time. The sole purpose of writing a credit dispute letter is to rectify certain errors in your report that will ultimately affect your credit score. Do not hesitate to provide any information that is required to authenticate and verify all your claims mentioned in the credit report. The bureau will have to rectify errors in case it cannot come up with supporting documents that prove otherwise. Provide any and all copies of documents as part of your claim.

Understand legal jargons
Since credit bureaus and agencies have to respond under the law, it will help you immensely to understand these common legal jargons. Using legal jargons and references in your credit dispute letter will certainly tip the scales in your favor. Credit bureaus cannot ignore letters which have been drafted by a consumer who knows relevant laws that apply to his or her credit report. The Fair Credit Reporting Act is one of the important laws to understand and make full use of while drafting these letters. Other acts that may help you draft an impressive credit dispute letter include Fair Credit Billing Act and Fair Debt Collection Practices Act. There is no need to study the subject matter in debt concerning these laws since references to clauses in your letter will be more than enough to get their attention.

Option to sue your creditors
In case your creditors are not willing to rectify any errors in your credit report, as a consumer, you have the right file a legal suit against the credit bureau or agency. The lawsuit can be filed in the small claims court, which is inexpensive.