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Debt Consolidation Facts

1. If you spend more than 50% of your credit limit every month, this indicates to the Credit Bureau that you do NOT have enough cash on hand to meet your monthly expenses. This will identify you as a high credit risk and will actually reduce your credit score by 60 - 70 points overnight (Fair Isaac).

2. If you miss 1 or 2 payments on your credit card debt, the issuing company will skyrocket your interest rate to a whopping 27% - 30%!

3. Out of a random sample of 3 million American consumers (included in Experian's National Score Index), 51% of them have at least 2 credit cards and 14% of them have 10 or more credit cards.

Credit Complaints Resolution Letter

When you have a complaint with a credit card company that you want resolved, use this letter to confirm your actions and the steps that the credit card company needs to take, in order to get it resolved. We suggest making the complaint over the phone, and then sending them this letter to confirm your conversation on the phone.

Click here to get an MS Word format version of this letter. A .doc file will open up and save it to your Desktop. This way you can easily retrieve the file.

Date Today (mm-dd-yyyy)

Your Name
Your Address

Credit Card Company's Name
Mailing Address

Re: (Your account #)

Dear Mr. (Person whom you spoke with on the phone):

Thank you for speaking with me on the phone today and agreeing to resolve my complaint. I just wanted to summarize my complaint which is (enter your complaint - use facts, figures and proof).

As we agreed on the phone, your company promises to (enter the action that the credit card company promised to carry out).

Sincerely,

(Your Signature)
(Your Printed Name)





 

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