Credit Repair Letters

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Credit Repair Letters

In today's economy more and more people are finding themselves having to deal with collection agencies, mortgage companies and credit card companies. Knowing the correct way to communicate is essential for you if you want to protect your rights as a consumer.

We have had the letters below drafted for us to cover almost any credit situation we could imagine. Used in the right context these letters can save a lot of heartache, time and money.

Credit Repair Letters

Sample Collection Agency Letters

These letters are to be sent to collection agencies, not to the credit bureaus.

When you first get a collection letter or phone call is the time to act. By using the initial sample dispute collection letter in the first thirty days you will make the collection company follow strict FCRA guidelines.

The initial letter makes the collection agency FULLY identify their self and the nature of their collections.

Initial Debt Collection Dispute

Follow-up Debt Collection Dispute (Same Collector)

2nd Debt Collection Dispute (New Collector)

Debt is Still Invalid (collector attempted to verify the debt)

Final Payment (Debt Paid in Full)

Debt Was Previously Settled

Payment Agreement w/Debt Collector

Expired Statute of Limitations (SoL)

Judgment Proof

Stopping Collection Calls

Sample Credit Bureau Letters
Send these letters to the Credit Bureaus, not collection agencies. Credit bureaus, or otherwise known as credit repositories only report what they are sent by your creditors. Unlike the collection agents, these people can be your friend. Treating them kindly will go a long way when trying to correct errors on your bureau.	Initial Dispute Letter Follow-up Dispute Letter Explain Negative Items in Credit Reports Remove Outdated Information CRA Remove Illegal Inquiries Creditors Remove Illegal Inquiries

Sample Letters - Original Creditors
Send this group of letters to the actual creditors before they go to a collection agency. A lot of the time you have a lot more flexibility when dealing directly with the creditor. Use these letters to professionally communicate with them and let them know that you know your business!	Reduced Payment my/Creditor Agreement Amend Debt Payment Agreement Credit Card Dispute Credit Complaint Resolution Letter Product or Service Complaint Close Credit Accounts

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