Credit Dispute Information:?

Question

I have written equifax once with some disputes, but i need to do it again and be persistant. Maybe some one can kind of tell me how to word it, etc. to make it sound persistant and professional...etc. is there any secrets, tips taht you have used or know work??? Thanks!!!!!

Sorry:
I have a low score, and need to try to dispute some old collection accts. etc, so that it will possibly bring my score up some, neg. on my credit are minor like cell phones adn positives are major like loans but i still have a low score....??? i can't even buy a car without like $3000 down and most want co-signer, adn thru secondary places....etc. i just keep getting crappy rates, hassled, etc. i am in college and don't want to have to have this battle to buy things and such when i grad. and start working soon, and i would certainly like to have a car to do so as i don't right now......

Answer 1

How about some more information about your situation & why you're disputing something.....?

Answer 2

How long ago did you write them? They only have 30 days to investigate an item and get back to you about it.
Try this letter if it's been over the time limit:
(Date)

RE: Failure to Respond to Deletion/Correction Letter

To Whom It May Concern:
On (insert date), I sent a letter requesting that you investigate or delete disputed items from my credit report as well as place these items in a "dispute" status during this investigation. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review.
The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law.
I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you investigate and update my report as requested immediately. Otherwise, I will contact the Federal Trade Commission.

If you have any questions or need additional information, please contact me at [phone].

Thank you.

Sincerely,

Your Name
Your Address
City, State ZIP
SSN

I had problems w/ Equifax not responding too and I sent them this letter along with my original one and heard back from them in 10 days.
Good luck! :-)