A credit repair letter is how you challenge negative items on your credit report. This letter is also commonly called a dispute letter.

This letter is you way of telling the credit bureaus that a mark is incorrect. When your letter is received and deemed valid the credit bureaus will start an investigation into the mark. You must send a letter to each credit bureau that is reporting the negative mark.

In this letter you must provide the details about the mark. You must also state why this mark is inaccurate and should be removed, common reasons include; not my account, account is closed, account paid in full and many more.

The Fair Credit Reporting Act was passed in response to complaints from people having inaccurate negative marks on their credit report. Up until this law was passed people had no way of challenging a negative mark on their credit report.

The hard part of credit repair is the bureaus have to deem your letter "valid." The reason this is hard is because when bureaus conduct an investigation it comes at their own expense.

Thus bureaus are very resistant to investigations and use stall tactics to hopefully get you to give up on the dispute process. A typical response from the bureaus to a dispute letter is to request more information regarding the mark.

You should also realize that a 100 word statement on your credit report will not help you under any circumstances. This is a place where you can provide a brief statement next to a negative listing.

In past this was a place you could explain the circumstances behind a negative listing such as a sickness in the family, job loss, natural disaster… however now doing this only admits your guilt.

If you do this it will be next to impossible to ever remove this mark from your credit report. The credit bureaus will deem any future dispute letter challenging that mark as frivolous.

You can remove negative items from your credit report just be patient and work the system. However if you have multiple negative items then you may want to consider a professional credit repair firm to do this on your behalf.