Credit Repair Form Letter ??" Good to Use or Bad to Use?
There are form credit repair letters all over the internet. They can be helpful if you find yourself needing to correct an error on your credit report or you are being harassed by debt collectors who are constantly calling your house. It is a stressful thing to have to deal with credit report errors or debt collectors. You may not feel that you are able to write an effective letter under such a stressful situation. Should you turn to the form letters on the internet for help?
Warning Signs
There are thousands and thousands of form letters out there to choose from. There is also sample letter prepared by the government that can be found on the Federal Trade Commission website. Which is a better choice? How can you decide?
There are many clues as to what kind of credit repair letter templates or samples to avoid. These are the ones that threaten legal action in words such as, "I'll sue". You also don't want to follow any credit repair letter templates or samples that could in any way be construed as threatening. "You better pay attention to this letter, or else," is an example of just such a threat, even if you haven't expressly spelled out what the "or else" means.
Another warning sign is sentences in phrases written in all caps or sentences ending with an exclamation mark. This is not a professional way to write. It is like screaming at a person and that is anything but professional. If you send a letter like this you can expect that your letter will be ignored. It is disrespectful and therefore will earn you no respect.
When Worse Comes To Worse
If the form letters intimidate you and you just can't decide it may be best to write you own letter. If you are going to do this remember that you want to keep the letter short. Be direct and respectful. Briefly explain what the letter is and your purpose in writing it. If you have a friend, an accountant or other financial expert that you can talk to, get some advice about how to write the letter.
Write the letter as if you are writing it for someone else and you are not personally involved. You do not want to show any emotion ??" anger, fear or frustration. Just state the facts as clearly and briefly as possible.
Warning Signs
There are thousands and thousands of form letters out there to choose from. There is also sample letter prepared by the government that can be found on the Federal Trade Commission website. Which is a better choice? How can you decide?
There are many clues as to what kind of credit repair letter templates or samples to avoid. These are the ones that threaten legal action in words such as, "I'll sue". You also don't want to follow any credit repair letter templates or samples that could in any way be construed as threatening. "You better pay attention to this letter, or else," is an example of just such a threat, even if you haven't expressly spelled out what the "or else" means.
Another warning sign is sentences in phrases written in all caps or sentences ending with an exclamation mark. This is not a professional way to write. It is like screaming at a person and that is anything but professional. If you send a letter like this you can expect that your letter will be ignored. It is disrespectful and therefore will earn you no respect.
When Worse Comes To Worse
If the form letters intimidate you and you just can't decide it may be best to write you own letter. If you are going to do this remember that you want to keep the letter short. Be direct and respectful. Briefly explain what the letter is and your purpose in writing it. If you have a friend, an accountant or other financial expert that you can talk to, get some advice about how to write the letter.
Write the letter as if you are writing it for someone else and you are not personally involved. You do not want to show any emotion ??" anger, fear or frustration. Just state the facts as clearly and briefly as possible.
About the Author:
Tire of struggling to keep up with your credit card debt? Get some simple credit card tips on the Debtopedia website. Get a free copy of my report "Secrets Of Credit Card Debt" at http://www.debtopedia.com
posted by Credit Counseling at
10:30 AM
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