There are numerous reasons to send a letter to any of the three main credit-reporting agencies.
(Equifax, Transunion & Experian).
The reason most people send them letters is due to the fact that there is an entry on their credit report that is having a negative impact and they would like to challenge it to have it removed.
The negative entry could be on a credit report for a few different reasons, but it is more important to know that you can have it removed with a well-put together challenge letter.
Once you have your letter together indicating the account in question in the letter, your next step is to send it to the bureaus.
If the account you are challenging is on all three credit credit reports, Equifax, Experian and Transunion then you want to prepare and send three different letters as these are three independently owned companies.
It is extremely important that you send the letters with confirmation required mail, this will allow you to know that the credit bureaus did receive your letter and more importantly when they received it and you have solid proof.
The actual day they receive your letter is important because they have a specific amount of time to investigate your claim which ultimately works to your advantage IF you send it this way and keep good records.
If you do not hear from them within thirty days of sending your letter they may be in violation and you want to consider the next course of action.