Conroe TX – 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.
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 than you should send in for this step! 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 never pay the bank another penny. Send me an e-mail at Laura@RealtyTx.net. 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 936-321-2977
Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.
Thinking about a loan modification? Our Conroe loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.
Thanks for reading this, Laura Austin.
Laura is a Real Estate Agent at Keller Williams Realty. Conroe Short Sales Realtor:
Laura has earned the following real estate designations to serve you better: ABR, CDPE,CDRS, CSSBR, CHMS, CSP, GRI, SFR, SRES, TAHS, Certified New Home Buyers Representative." Conroe Short Sales Realtor.
Phone: 936-321-2977. Laura@RealtyTx.net.
View My homes for sale at www.RealtyTx.net.
Laura Bolieu Austin specializes in loan modification assistance and short sales in Conroe Texas. Conroe Loan Modification Help, Conroe Short Sales. Conroe Short Sale Realtor. Conroe TX Short Sales. Conroe Realtor.
Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.
Important Notice
Laura Austin, Keller Williams Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse 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 Laura's personal views and do not reflect the views of Keller Williams Realty.
This information on Step 4 To Fix Your Credit After A Conroe Short Sale: Write The Credit Bureaus is provided as a courtesy to our viewers to help them make informed decisions.
Laura Bolieu Austin
ABR, CDPE, CDRS, CSSBR, CHMS,
CSP, GRI, SFR, SRES, TAHS,
Certified New Home Buyers Representative
REALTOR®
Keller Williams Realty - Conroe
936-321-2977 Direct
281-798-2911 Cell
866-347-2911 Fax
Laura@RealtyTx.net
www.RealtyTx.net
www.StopForeclosuresInTX.com
www.AvoidForeclosureInConroe.com
