Self Credit Repair
There are a lot of places on the web where a person can find samples of credit repair letters. However, most of these sites are simply going to push customers toward a credit repair service. Most likely, the sites with the sample credit repair letters are managed by credit repair companies and they use these websites as lead generating websites. One safe place to get a sample credit letter is the FTC’s credit repair site. This is a good site to review. It will encourage you to undertake your own credit repair.
Another place you should check out for credit repair sample letters is creditblossom.com. This website has the credit letters, but actually it provides much more than that and it is free to the public! It grants consumers access to a free application called the Credit Repair Letter Wiz™ that will save you a ton of time when you are writing your credit dispute letters.
Before you sign on with a credit repair company, you should definitely consider sending out your credit dispute letters on your own. The process is really very simple and CreditBlossom.com’s purpose is to give you the simple directions for how to generate the letters and how to mail them out.
I have been a mortgage professional for many years and I am constantly solicited by credit repair clinics soliciting us to send them the clients we cannot get approved for a loan. I chose a long time ago to aid people and instruct people to do it on their own. CreditBlossom.com is the product of that goal.
One of the companies that solicited me via email sent out an email and stated this in the title: “With ‘insert the name of the company here’, you can give Johnny Cochran a run for his money and actually help people in the process.” This caught my attention so I read on:
“Do you realize that you can make more income doing credit repair than Johnny Cochran got representing OJ Simpson? That’s the reason why creditrepair has attracted a number of less than desirable people to the field.
The email went on to explain that being an affiliate for the agency basically means you have access to their automated system to fix people’s credit. With that system, it only takes about thirty minutes to repair someone’s credit, but they charge your customer an average of around six hundred dollars! That works out to $1200/hour! That’s criminal! Jonny Cochran only charged OJ $500 per hour.
I commend this clinic for trying to populate the credit repair industry with higher quality people, but $600 for 30 minutes worth of work! Now, that is just not right, especially since self credit repair is such an accessible alternative. Obviously, since it only takes 30 minutes, this cannot be a difficult process if you have the proper directions. That is what you will find at Creditblossom.com. I don’t make any claim that mailing out the letters on your own is going to definitely accomplish what you hope to accomplish; but my experience has shown that often enough you will.