An essential tool in credit repair is the dispute letter. The concept and objectives are simple – written correspondence to the consumer reporting company, providing information on what you think about your credit report is inaccurate, so your credit report and score can be improved. However, the myriad details required in a successful credit repair letter aren’t always so easy to compile. Including your complete name and address probably seems like a given. The credit repair letter should also identify each item in your report you dispute; state the facts and the reasons you dispute the information, and ask that it be removed or corrected. You’ll want to include copies (not originals) of any documents that support your position. It’s a good idea to enclose a copy of your credit report, and circle the items in question. And be sure to send your credit repair letter by certified mail so you can document that the consumer reporting company received it. Like most steps in the credit repair process, following these steps to the letter can seem be a time-consuming chore, but they’re important. And there’s no harm in seeking assistance from a credit repair company to ensure your dispute letter is complete. It’s smart!