Need to dispute items on credit report, but do not know how to word it or go about doing it?

To be successful, and not to be taken advantage of I'd like to not leave anything out when I communicate with them? Anyone know of any forms I can use to dispute debts with creditors? Or forms to settle the debt for less?

Public Comments

1. "Date Your Name Mailing Address City, State, Zip Re: Disputing Inaccuracies on My Credit Report Name of Credit Reporting Bureau (see our fact sheet 6 for addresses) Mailing Address City, State, Zip Dear Sir or Madam: I am writing for two (2) reasons: 1. To dispute certain information in my credit file; and 2. To have you investigate/re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion.The item(s) I dispute are encircled on the attached copy of the credit report and further identified by (identify the items by name of source, such as creditor or tax court, etc. and identify type of item, such as credit account, judgment, etc.)This item is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or whatever specific change you are requesting) to correct the information.(If you are enclosing documents such as copies of cancelled checks, payment records, court documents, send copies only, you should always retain the originals -- and use the following sentence.) Enclosed are copies of the following documents supporting my position: 1. 2. 3. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed items within the time frame required by the Fair Credit Reporting Act (FCRA) and inform me in writing of the outcome.Thank you for your time and consideration in this matter. Sincerely, ________________________ (Signature) Your name" another one at http://nedap.org/resources/documents/CreditReportDispute.pdf
2. You can only dispute the charges if there's fraud or some other situation where you are not legally liable for the charge. If you are liable for them, but want to negotiate the amounts, try talking to them first (don't put anything in writing). Tell them you are in a financial crisis and want to settle your outstanding debt with them. Ask them what they'd be willing to accept to settle the debt in full. If it's acceptable to you, then accept the offer. If not, make a counter offer. Tell them than in order to settle the debt as soon as possible, the most you could pay would be XXX.
3. The above posters letter is ALMOST perfect for what you should do except that you should not tell them "Why" its wrong. You should just let them know there is an error with a certain account and let them do the investigating. If there is even one thing wrong with what is being reported they have to delete the whole item. If you say why its wrong, then they might just adjust the error and keep it on there. Also...write one seperate letter for EACH item. Dont put a whole list of disputes with one letter or they wont really do much. It also lets you write them a second time to dispute if they validate the account and you can write them to make they prove its a valid debt. There is a book called something like "Credit repair to credit millionaire" thats pretty helpful and can tell you exactly what to write each time to these credit buerus. I used that book and took my score from 450 (yeah you read that right) to 717. I had a ton of collections (maybe 20) and i believe i only had to pay on 4 of them (which i also was able to get those taken off later.) Only thing bad on my credit report that i couldnt get off is a judgement. (one of the things i had to pay)
4. call your credit card company they should take care of helping you with this.