10 Helpful Tips When Preparing to Write argument Letters
Before constructing your argument letters, you will want to keep these 10 tips handy to successfully write and mail out your credit reports:
1. Order hard copies of all three of your credit reports, already if you’ve seen them online. These reports are important because they have specific numbers on them that you will need to add to your argument letter.
Trans Union has a file number.
Experian has a report number.
Equifax has a confirmation number.
2. You need the addresses of each credit bureau to include both in your argument letters and on the envelopes you’re sending them in. Here is the information for the bureaus:
P.O. Box 740256
Atlanta, GA 30374
Web site: equifax.com
PO Box 2002
Allen, TX 75013
Web site: experian.com
P.O. Box 2000
Chester, PA 19022
Web site: transunion.com
3. You need a information processing program such as Microsoft information, information Perfect or Microsoft Works to kind your argument letters. Your argument letters should never be handwritten.
4. You will need a copy of your driver’s license and social security card to include in the envelopes of each letter.
5. Make copies of any pay off letters you have (do not send originals) and include them in the letter to show that the debt is taken care of. You should only do this if you are disputing accounts as “Paid as agreed”.
6. If you have your police report and any other documents that prove that you were a victim of identity theft, you should include these documents with your letters.
7. Use a sample argument letter as the format to write your letter in.
8. Have someone handy to proofread your letters so that you do not have spelling errors. If your letter has too many errors in it, it will be sent back as a “frivolous argument”.
9. Mail your argument letters by certified mail so that you can have a record of when they are received by the credit bureau. You can choose to pick up certified mail cards and receipts to keep handy or pick them up once you go to the post office.
10. Money enough to send your argument letters by certified mail. It can cost around $6 per letter to send it by certified mail, not including additional fees for the weight of your letter with additional documents in it, but it is well worth it.
Responses to your argument letters will take anywhere from 30 – 45 days. The Fair Credit Reporting Act says that the credit bureaus have 30 days to respond to you in regards to your argument or the items you are disputing must be deleted. You are giving the bureaus up to 45 days to explain U.S. mail and processing.