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1) Always try to be civil. Remember
you are dealing with humans (the employees of the bureaus) that
are having their own problems. Be kind and tactful.
Make your letters reflect a personal tone of concern and
importance. Save the anger and threatening attitude for a
last resort.
2) Use your own handwriting in the
letters. Computer generated material seems to get less of a
response. You want to appear sincere and thoughtful.
Writing out your letters on a legal pad adds that personal touch.
3) Wait at least 60 days to re-dispute an
item. This allows time to pass and the bureaus are less
likely claim you are frivolous.
4) When in doubt or feeling hopeless,
please visit our discussion group. This is where you can get
more personal help. Fine tuning your strategy with the help
of others is important. And don't forget you can seek help
from the many books out there on the subject.
5) If your situation involves legal
issues. CreditMania recommends you seek legal assistance.
There are just some circumstances that require the use of
attorneys. If you are not able to hire a lawyer, please be
willing to contact a legal referral service and explain your
situation to them. There are many legal professionals
offering free or sliding-scale fee services, if you ask.
6) Overcome your fears of dealing with
past creditors, debt collectors, and the credit bureaus.
Take a deep breath and accept where you are now. Begin to
take control of your life and confront these folks without fear
and guilt. You are now starting a new and you should feel
confident and empowered. Our fear of the phone leads to
defeat. Make the calls that need to be made. Answer
the calls that need answered. Be in charge!
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