The Pros And Cons Of Using A Credit Repair Letter Template
If you are getting bothered by debt collectors or if you have discovered that there is an error on your credit report, then you already feel shaky enough as it is. Perhaps you feel off balance and wonder how these mistakes were made. Under this kind of mind set, you don't really want to try and learn a new skill, such as trying to write a credit repair letter. Templates of these kinds of letters are available online. But should you use them?
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 barely keeping up with your credit card debt? Get some simple credit card tips on the Debtopedia website. Visit http://www.debtopedia.com for a free copy of my "Secrets Of Credit Card Debt" report.
posted by Debt Consolidation Loan at
3:42 AM
0 Comments:
Post a Comment
Subscribe to Post Comments [Atom]
<< Home