The key to repairing bad credit is to write a properly formatted letter of dispute to one or all of the credit bureaus and send them out via registered mail. Always keep a copy of your correspondence and the receipt from your registered mail letter for further reference. It is also important to make copies of your credit report to include in the letter, not originals.

Below is a step-by-step guide to writing a letter of dispute to get rid of those black marks off your credit report for good.

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How To Write a Credit Dispute Letter.