Credit Problem Guide

Send the letter via with a "return receipt requested" to prove they received it.

Circle the disputed items on a copy of your credit report and enclose it. Credit Problem

When you are facing a credit problem, the best "post" or communication depends entirely on the specific issue—whether it's an error on your report, harassment from a collector, or general financial hardship. 1. Disputing an Error on Your Credit Report Send the letter via with a "return receipt

Under the Fair Debt Collection Practices Act (FDCPA) , third-party collectors must stop contacting you once they receive this written notice. and telephone number.

This stops the harassment, but it does not erase the debt. 3. Requesting Financial Hardship Assistance How do I dispute an error on my credit report?

Use this Sample Letter to Credit Bureaus from the Federal Trade Commission (FTC) as a template. 2. Stopping Debt Collector Harassment

If you find inaccurate information (like a payment you actually made or an account that isn't yours), you should send a formal dispute letter to the credit bureaus. Your full name, address, and telephone number. The account number for each item you are disputing.