A Credit Score of 700 or above is considered good credit. If your credit score is below 700, or especially if it is below 600, you should work to repair your credit, because otherwise, you will pay more when you get a loan or buy things on credit. If you want to raise your credit score, you need to learn how to write a credit repair dispute letter.

Before you can write your that letter, though, you first have to get a copy of your credit report from one or all of the three credit agencies: Equifax, Experian or Trans-Union. You can get Free Credit Reports from all 3 Agencies from www.AnnualCreditReport.com or you can pay for a 3-in-1 report that shows results from all 3 agencies side-by-side on one report/

After you get your reports, review them carefully and check for errors. Write a letter to each of the Credit Bureaus, stating what is wrong and why, and include any evidence you have.

Write one letter to each bureau for each creditor that you find an error for. Don’t lump more than one creditor into one letter. Dispute each claim individually, so the credit bureau won’t think you’re faking it. After you send a letter, wait a couple of days to send a letter to that bureau for a different creditor, but you don’t have to wait for a reply before you send the next letter. Just separate them so each claim is handled separately and delicately, so the bureau can individually investigate each matter.

Then, give the credit agency some time to contact the original creditor and then either correct the mistake or tell you that the creditor doesn’t think there is an error. The credit bureau will conduct a investigation before they send you a reply. To facilitate their investigation, always explain what’s wrong and send evidence, if possible, when you write your dispute letter.

Oddly enough, hand-written letters may look better to them than typed letters.

You’ll often get better results if you use strong words like erroneous, outdated, misleading or unverifiable. You actually don’t have to explain in detail why you are complaining because the evidence and their own investigation will show the error.

If you’ve never written a dispute letter before, you can search for some samples, then you can change the name, the date and the details to fit your situation.

Just mail your credit dispute letter by the postal service and just wait. Usually, it takes just a few weeks for the credit bureau to evaluate your situation. If their investigation shows you’re right, you’ll get a new credit report in about 2 to 4 weeks, and your credit score should be better.

In 1970, the Fair Credit Reporting Act (“FCRA”) by the FTC was put into law to allow people to dispute wrong data on their credit report. If you think the report is reporting wrong information, don’t just accept it but force the bureau to change the erroneous information.

Now that you understand more about how to write a credit repair dispute letter, go and get copies of your credit reports and then review them and correct them if they are wrong, so you can start to improve your credit rating.