825credit.com Launches Credit Letter Generator: Free Tool Helps Consumers Dispute Credit Report Errors, Fight Identity Theft

825credit.com, a Chicago-based consumer credit resource Web site, has introduced a series of letter templates designed to help consumers improve their credit ratings and FICO scores. The letters, which are pre-formatted for use in a multitude of personal credit conflicts, may be quickly and easily customized via 825credit.com's free online tool, the new 825credit.com Credit Letter Generator, then mailed to each of the United States' three major credit bureaus in order to dispute and resolve credit errors and omissions.

Chicago, IL (PRWEB) November 17, 2008

825credit.com, a Chicago-based consumer credit resource Web site, has introduced a series of letter templates designed to help consumers improve their credit ratings and FICO scores. The letters, which are pre-formatted for use in a multitude of personal credit conflicts, may be quickly and easily customized via 825credit.com's free online tool, the new 825credit.com Credit Letter Generator, then mailed to each of the United States' three major credit bureaus in order to dispute and resolve credit errors and omissions.

"Because of the country's declining economy and its tightening consumer credit market, more and more families and individuals are searching for ways to improve their personal credit rating," said personal finance expert and consumer credit advocate Thomas Boston, principal of 825credit.com. "They're hungry for an easy-to-use tool that will help them unlock the financial peace of mind--not to mention the advanced purchasing power--that comes with having a high FICO score. The Credit Letter Generator at 825credit.com is that tool."

The Credit Letter Generator--which is located online at http://www.825credit.com -- features dozens of pre-loaded, customizable credit letter templates. To use it, consumers need only fill out a short Web-based form with their personal information, including their name, address and phone number, as well as a description of the item that they would like to dispute on their personal credit report and their reason for disputing it. Letter templates exist for a variety of credit disputes so that consumers can remove or correct a number of common errors, including erroneous accounts, incorrect payment histories, mistaken personal information and inaccurate credit balances, limits and account numbers.

"Even the littlest errors can have a large impact on one's credit score," Boston said. "It's therefore critical that consumers actively monitor their credit report and seek resolution for items that they believe to be incorrect."

Upon completing 825credit.com's secure online form, the Credit Letter Generator automatically plugs the user's personal information into the appropriate letter template, then e-mails the user a copy of the letter, which can be printed out and mailed to either Equifax, Experian or TransUnion in order to initiate the credit dispute process.

"This free tool enables users to quickly, easily and affordably take control of their credit," Boston said. It also allows them to protect themselves, he pointed out, as more than 8 million U.S. adults fell prey to identify theft crimes in 2007, according to a 2007 survey by Javelin Strategy and Research.

"Even the most responsible spenders suffer when they become victims of identity theft," Boston continued. "The Credit Letter Generator gives them a means to reclaim their identity and repair any damage that's been done to it by thieves that have hijacked their credit."

For more information about 825credit.com's free Credit Letter Generator, or to use it, visit http://www.825credit.com.

About 825credit.com:

Based in Chicago, 825credit.com is a consumer credit resource Web site that specializes in credit repair, education and advocacy. Founded in 2006, its mission is to protect consumers from misinformation and to provide them with the tools and resources that are necessary to build a better credit score. For more information, visit http://www.825credit.com.

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