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Is now the time to get serious about how to clean up credit report? How about some online help to assist you in your quest for better credit ?

Available on the market for about three years now is the AVAIL Credit Coach, an online clean credit software. It is am amazing credit report repair product  but what I find to be one of the best characteristics is its ability to write a dispute letter.

The amount of mail I get each week all centers around writing collection dispute letters and I tell people that with AVAIL, the letter is written for you . That’s right, you have a sophisticated software program that does so many things to increase credit scores , but what I absolutely love is that with the touch of a computer button , you have a very good dispute letter .

How many times have you fretted about starting a credit repair program just because of the letter you’d have to write ? Who will get it ? What do I say- that my credit report has these errors and I want theses errors corrected ? If you can get manuver to this point , where do you send the letter? Do you put copies of any identification in the letter-you do.

With the simple touch of a keypad, AVAIL gets the letter all ready to go . All you do is sign and mail it. No guesswork and no more wondering if you did it right.

If you still want to write your own version of a dispute letter here are the professional tips to consider .

Remember that you don’t need to be fancy . No amount of colorful adjectives will help or sway the person reading your cause . Just state your case and the reason for the challenge . An example would be if you had a late charge on a credit card account and your records prove that this is being reported incorrectly and you have never been late.

All you do is state your facts in a logical manner with your credit file information identifying who you are. Name, address and social security number are standard.

Explain you are disputing the charge you think is wrong and ask them to correct it or to remove this from your file.

That’s all you do. Do not go into long stories about how the dog ate the bill or about your aged mother who you are supporting and she too has problems.