Free Sample Collection Letters and More

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Free Credit Repair Tutorial - Direct Banc Tutorial for Fixing Credit Scores

Direct Banc has assembled one of the most comprehensive collections of sample letters that you can aid you in repairing your credit. You can find letters for collection agencies, credit bureaus, creditors and much more.

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Credit Bureau Mailing Addresses

Experian (formerly TRW)
P.O. Box 949
Allen, TX 75013
(800) 682-7654

Equifax
PO Box 740241
Atlanta, GA 30374-0241
(800) 685-1111

TransUnion
760 West Sproul Road
PO Box 390
Springfield, PA 19064-0390
(800) 916-8800

Free Sample Collection Letters

Initial Dispute Letter - Letter to Collectors

Dear {insert name of collector or company},

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:

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I Have Already Paid This Debt! - Letter to Collectors

Dear {insert name of collector or company},

This letter is to inform you that the account in question was settled on [insert date] with [insert name of collection agency]. I have enclosed copies of the settlement letter and proof of payment.

You now have proof that this debt is no longer collectable, therefore I demand that you remove this account, and all references to my personal information, from your records.

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Stop Harassing Me! - Letter to Collectors

Mr./Ms. Collector,

I am writing in response to your constant phone calls!

According to the Fair Debt Collection Practices Act, [15 USC 1692c] Section 805(c): CEASING COMMUNICATION: You must cease all communication with me after being notified in writing that I no longer wish to communicate with you.

Therefore, I demand that you stop calling me at home, at work, on my cell phone or at any other location...

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All Sample Collection Letters
To Collection Agencies	To Credit Bureaus	To Creditors
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	Initial Dispute Letter Address Correction Letter Follow-up Dispute Letter Explain Negative Items in Credit Reports Remove Outdated Information CRA Remove Illegal Inquiries Creditors Remove Illegal Inquiries	Reduced Payment w/Creditor Agreement Amend Debt Payment Agreement Credit Card Dispute Credit Complaint Resolution Letter Product or Service Complaint Close Credit Accounts

	Credit Repair News and Articles
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