You can dispute inaccurate collections reporting using DIY collections dispute letters — but it won't be easy. How can you dispute easier? A professional (like Credit Glory) has the experience and skills to assist & make your dispute effortless.
Why would you use a collection dispute letter? (& is there another way)
Collections on your credit report crush your score. The worst part? According to the FTC, 1/5 reports have (at least) 1 negative item (including collections) based on inaccurate info. What does this mean for you? Simple, if you spot a negative item with an error it's your right to dispute it. The real choice is whether you should do it on your own, or with help from a reputable credit repair pro (like Credit Glory).
Which collections dispute method should you pick? (Answer: The easiest one)
There are perks to both DIY collections dispute letters and help from a pro. A great way to decide between the two is by picking the method that's the easiest for you. Why does that matter? The easiest method helps you focus on living your life — while an expert (like Credit Glory) handles the dirty work for you.
DIY Collections Dispute Letter vs. Credit Glory: Which is easier for you?
A good way to find out which method is the easiest is to compare them side-by-side based on three key metrics — writing the collections dispute letter, supporting your claim, and support during the process.
Writing the collections dispute letter
- Credit Glory - Credit Glory handles the dispute process so you don't need to write a lengthy letter.
- DIY Disputing - You need to find a legit template (good luck) or try to draft an effective letter from scratch.
Credit Glory wins by a mile. Crafting a DIY collections dispute letter involves including exactly the right information, and finding exactly the right place to send it. While DIY isn't impossible, help from Credit Glory makes it way easier for you.
Supporting your claim
- Credit Glory - Credit Glory knows exactly what info you need to prove an item is inaccurate & then remove it.
- DIY Disputing - You need to not only identify inaccurate info but provide physical proof it's inaccurate.
If you write a DIY collections letter you need exactly the right evidence to support your claim. It's also important to be careful, if you accidentally send the originals to the collections company, they may end up mysteriously "lost." Credit Glory eliminates this headache for you, knowing exactly what to send & how to send it.
Support during the process
- Credit Glory - Best-in-class customer support, to answer all your questions and provide status.
- DIY Disputing - You need to figure everything out on your own, and then cross your fingers and wait (sometimes months) after the letter is sent.
If you write your collections letter DIY you could be left in the dark waiting for months to hear anything. Then, you may find out you have to start over at the beginning if you made one little mistake — yikes! An experienced expert (like Credit Glory) does it right the first time, & provides best-in-class support during (& after) your dispute.
Your easiest alternative to a DIY collections dispute letter is clear — Credit Glory.
For a simplified and painless dispute process, working with a pro (like Credit Glory) is the way to go. A pro knows how to contact the collections company, what proof you need, and delivers excellent support along the way. When that pro is Credit Glory, you also have confidence backed by high ratings (4.9/5.0 Stars) from thousands of satisfied customers.
Remove the headache (& negative items) when you partner w/Credit Glory
Disputing negative items on your credit report is hard work! It takes a lot of time, effort, organization, and follow up. The good news? Our team of credit repair professionals is here to simplify everything! Let your dedicated credit repair expert relieve you of the stress, hassle, and time needed to fight your inaccuracies and boost your credit score (FAST!)
Credit Glory is a credit repair company that empowers consumers with the opportunity and knowledge to reach their financial dreams in 2021 and beyond.
Call us at (855) 938-3044 or set up a consultation to get started, today!