Some letters vary in their content, but this is the general outline of an effective dispute letter for the purposes of removing an item off your credit report.

Refer to how to improve your credit score and do it yourself credit repair for more information on how to use this letter and tips on disputing items on your credit report.

As the nation sees an increase in the pricing of nearly everything, college is certainly no exception. People are struggling to make ends meet and send their kids to college. But there is also another factor involving college that has become a problem for many families and that is keeping up with existing student loan payments from college years of the past.

Now that we’ve identified the outright illegal scams out there, let’s look at the aspects of the legitimate and reputable credit repair companies.

Let’s start out with the facts: The Fair Credit Reporting Act (FCRA) gives you, the consumer, the right to dispute any entry on your credit report.

Plan and Simple.

Here’s another truth: There is NO LAW that states that accurate, negative marks on your credit need to stay on your credit report for 7-10 years.

Take a deep breath.

You are about to enter a battle and the victory goes to the most persistent contender.

The process of correcting your credit report is relatively simple, but it could take a while.

The Fair Credit Reporting Act (FCRA) is a landmark piece of legislation.