Collection dispute letter
To the bureau. For a collection with wrong dates, balance, ownership or duplicate reporting.
Read →Late payment dispute letter
For a late that was on time, under 30 days, during forbearance, or duplicated after a transfer.
Read →Hard inquiry removal letter
Two versions: to the lender that pulled your report, and to the bureau.
Read →Debt validation letter
To the collector. Makes them prove the debt, the amount, and their right to collect it.
Read →Goodwill letter
For a late that really happened. Asks the lender to remove it as a courtesy. Works more than you'd think.
Read →609 dispute letter
The internet's favorite letter, and why it mostly doesn't work. Plus what to send instead.
Read →These templates are written for people doing it by hand. The software does the same thing automatically from your actual reports: it finds the items, fills in the account details and the specific reason, attaches your ID, and mails it. Start for $1.99.