| Did you just get turned down for a mortgage loan | | | | negative item on your report. |
| because of your credit rating? This is a typical, but not | | | | I cannot stress the importance of making sure you |
| so sad scenario. It is not too late for you to try to get | | | | only write one letter for each item on your report. The |
| the banks to work in your favor. As you may or may | | | | credit bureaus have a right to deem you claim |
| not know there are two ways to go about repairing or | | | | "frivolous" if you try to dispute multiple claims on one |
| building credit for that mortgage loan; you can either do | | | | letter! It is equally important to make sure your letter is |
| it yourself or hire a professional. If you decide to go the | | | | original. The last things you want to do is reword an old |
| more recommended route, repairing your credit | | | | letter, copy and paste another letter, or use a template |
| yourself, there are a few things you need to know. | | | | from a word document. You want your letter to be |
| First, you will need to download your credit report from | | | | original and unique so that the credit bureaus have |
| and check for wrong information, negative accounts, | | | | something to remember you by. |
| old accounts, and any other false information that may | | | | Last but definitely not least be sure to pay off any |
| affect your credit or your possibly of getting a | | | | debts that are not fraudulent. This is important because |
| mortgage loan. Second, rank each item starting with | | | | you want to make sure that the banks are going to |
| the ones that are the most damaging to your report. | | | | lend you money when it comes time for you to get a |
| After making sure the items have been ranked | | | | mortgage loan. |
| accordingly you will need to write a letter for each | | | | |