Columbus OH – Using your work on the credit report, you are ready to
take action. You are now going to write a letter to the
credit bureaus about the items you’ve highlighted and
noted.
Click here to discover how other sellers successfully did a short sale and avoided foreclosure. http://columbusohshortsaleadvisors.com/
You are writing to the credit bureaus because they are the ones
reporting the information – it is up to them to change what they report.
The goal is to get bad things deleted from your credit report in order to improve your score.
Do not go to Google, or Bing and try to find a form letter! The credit reporting companies can spot
those like a hunting dog can spot a duck.
You will not get anywhere with a “canned” letter, and will
damage your chances of ever resolving issues.
Your letter should sound like you are frustrated (which you undoubtedly
are), and should sound authentic. But, do sound polite and friendly.
Don’t sound like an expert, but do sound like you expect action. In this
round of letters – your aim is to have the credit bureaus remove items
that are hurting your credit score.
The bureau will then have to investigate your dispute and REMOVE any of
the disputed items if they can’t prove them to be accurate (this
involves them contacting the original creditor and verifying with them –
all within the short 30 day window allowed by law).
Here is the basic outline to follow for your first round of letters you send:
At the TOP of the letter, put your name, SSN, current address (and state lived there for X years), and your DOB.
Say something about how you’ve just reviewed your credit report, and found items that are inaccurate.
List the items BRIEFLY. Say something like: “Chase Credit Card
xxx-xxx-xxxx, listed for 30 days late. I have never been late on this
account,” or “Citi Credit Card xxx xxxx xxx listed as collections. This
is false.”
Note that you are upset / worried / distressed / embarrassed about these
items, since you know they are negatively affecting your credit score.
Ask that these items be deleted from your report immediately.
Add Sincerely, and your name below. Sign the letter.
Include a photo copy of your driver’s license as proof that you are you
making this request. Also include proof if you have it (credit card
statement from the month where they say you were late when you weren’t.)
The next step is to submit this letter. Thinking about a short sale?
I can help you short sale your property and get back on your feet. Send me an e-mail at robin.lemmons@kingthompson.com. I will contact you for a free consultation.
When we talk, I will explain how the process works in detail and answer
any questions you may have. Or, if you prefer, you can call me at 614-741-2495.
Discover how other sellers successfully completed a short sale and request a free consultation by clicking here. http://columbusohshortsaleadvisors.com/
Thinking about a loan modification? Our Columbus loan modification kit
has the instructions you will need to get a loan modification approved
with your bank.Click here to request a copy. http://columbusohshortsaleadvisors.com/
Thanks for reading this, Robin Lemmons.
Rick & Robin Lemmons is a Real Estate Team at Coldwell Banker King Thompson.
Phone: 614-741-2495
Email: robin.lemmons@kingthompson.com
A Zest For The Best
View My homes for sale at www.rickandrobin.com.
Columbus Loan Modification Help, Columbus Short
Sales, Columbus Short Sale Realtor. Columbus Short Sale Realtor.
Columbus OH Short Sales. Columbus Realtor. Columbus OH Short Sales.
Columbus Realtor.
Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.
Important Notice
Rick & Robin Lemmons, Coldwell Banker King Thompson, and the Stop Foreclosure
Institute are not affiliated in any way, shape, or form with the
government. Our services have not been reviewed or endorsed by the
government or your lender. Most lenders willingly work with agents on
short sales. Why?
Because most short sales are beneficial to a lender. If you accept our
offer to help you on a short sale, your lender may not agree to a short
sale or to modify your loan. We do offer a loan modification kit.
However, the likelihood of negotiating a modification is like everything
else in life. It takes work and persistence to convince your lender to
modify your loan. No matter what you or we do, your lender may not
approve a loan modification.
We do not recommend that you stop paying your mortgage, because this
will cause damage to your credit and could cause you to lose your home.
Because we know avoiding foreclosure is so important to any homeowner,
we recommend that you speak with the appropriate legal or tax advisor
before making any decision.
This is not intended as legal, technical, or tax advice. Please speak
with a licensed professional before making any decision. Information is
deemed reliable but not guaranteed as of the date of writing.
You have the option to reject a short sale or loan modification from
your lender if it does not meet your approval. If you decide not to go
thru with the short sale, then you do not have to pay us our fee. We
normally make a real estate sales commission for helping you on a short
sale.
The views expressed here are Robin's personal views and do not reflect the views of Coldwell Banker King Thompson.
This information on Fixing Credit After A Columbus Short Sale Step 4:
Writing The Credit Bureaus is provided as a courtesy to our viewers to
help them make informed decisions.
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