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There are form credit repair letters all over the internet. They can be helpful if you find yourself needing to correct an error on your credit report or you are being harassed by debt collectors who are constantly calling your house. It is a stressful thing to have to deal with credit report errors or debt collectors. You may not feel that you are able to write an effective letter under such a stressful situation. Should you turn to the form letters on the internet for help?

Warning Signs

There are thousands and thousands of form letters out there to choose from. There is also sample letter prepared by the government that can be found on the Federal Trade Commission website. Which is a better choice? How can you decide?

When you are trying to choose a form letter to go by there are a few warning signs to look for of letters you do not want to use. For example, if a letter is threatening you do not want to use it. Words like, "if you ignore this letter I'll sue" or "you better stop harassing me" are phrases to be avoided. If a form letter contains statements like these keep looking. You do not want to send this type of letter to a credit bureau or any of your creditors.

Another warning sign is sentences in phrases written in all caps or sentences ending with an exclamation mark. This is not a professional way to write. It is like screaming at a person and that is anything but professional. If you send a letter like this you can expect that your letter will be ignored. It is disrespectful and therefore will earn you no respect.

Overwhelmed by Your Choices?

If the form letters intimidate you and you just can't decide it may be best to write you own letter. If you are going to do this remember that you want to keep the letter short. Be direct and respectful. Briefly explain what the letter is and your purpose in writing it. If you have a friend, an accountant or other financial expert that you can talk to, get some advice about how to write the letter.

Write the letter as if you are writing it for someone else and you are not personally involved. You do not want to show any emotion ??" anger, fear or frustration. Just state the facts as clearly and briefly as possible.