Templates for Letters to Collections and Credit Bureaus

READ FIRST:  Below you’ll find the dispute letters you can use to start disputing with the credit bureaus (Experian, Equifax, and Transunion).  Be sure to start with the dispute letter that states that the information is “inaccurate.”  You do NOT want to state that the account is not yours (unless it really isn’t yours) in the first round of disputes.  (You can do this later on in another round of disputes if it doesn’t come off right away.)

Also, be sure to send PHYSICAL letters to the bureaus and DO NOT dispute online (it’s much less effective and almost NEVER works).  I recommend visiting 1001fonts.com to change the fonts in the letters to look like handwriting.  (Only use handwriting fonts on letters to the credit bureaus.)  Be sure the font is LEGIBLE before printing and mailing your letters.

Do NOT use your complete legal signature…just use INITIALS when signing ANY letter (to the bureaus and ESPECIALLY to your creditors and collection agencies) unless otherwise specified on the letter.

Finally, whenever sending credit bureau disputes, ALWAYS include a copy of your VALID driver’s license, state ID, or passport AND two (2) utility bills (preferred) or other bills showing YOUR NAME and YOUR CURRENT ADDRESS.  DO NOT SEND THIS TO CREDITORS OR COLLECTION AGENCIES…ONLY SEND THESE ITEMS WITH YOUR DISPUTE LETTERS TO THE CREDIT REPORTING BUREAUS (EXPERIAN, EQUIFAX, TRANSUNION).  You don’t want your creditors having your personal stuff.

Regarding ALL letters provided below, be sure to REMOVE the brackets when replacing the sections with the information indicated.  Brackets look like this: { } or [  ].  Leaving these brackets on any letter looks unprofessional and could be the cause of your letter being kicked back, not taken seriously, or resulting in failed communication.

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The Best Letters to Use Are Listed Below:

CLICK HERE to Access the NEW CANCEL DEBT Letter for Collection Agencies or Equivalent.
This Letter is to Be Sent to Debt Collectors, Law Firms Trying to Collect Debt, and/or Collection Agencies Either After They’ve Contacted You OR If You Want Them REMOVED from Your Credit Reports; Be Sure to Send This Trackable and CERTIFIED, DO NOT Legally Sign the Letter (Use Initials), DO NOT Send Copy of Your ID

CLICK HERE to Access the 609-611 Dispute Letter
This Letter is to Be Sent to the Credit Reporting Bureaus As a REPLACEMENT for the Traditional Dispute Letter; Mail This Letter with Proof of Identity and 2 Bills/Statements Using TRACKABLE MAIL!

CLICK HERE to Access the NEW ID Theft Letter
This Letter is to Be Sent to the Credit Reporting Bureaus AFTER You Have Filed a Police Report for Identity Theft; After You Receive an Official Police Report, Include It With This Letter and Send Via Trackable Mail

CLICK HERE to Access the Simple Experian Dispute Letter
This Letter is to Be Sent to Experian Along With a Copy of Your Government-Issued ID and 2 Bills/Statements Proving Your Address; Be Sure to Send This Letter Via TRACKABLE MAIL!

CLICK HERE to Access the Simple Equifax Dispute Letter
This Letter is to Be Sent to Equifax Along With a Copy of Your Government-Issued ID and 2 Bills/Statements Proving Your Address; Be Sure to Send This Letter Via TRACKABLE MAIL!

CLICK HERE to Access the Simple Transunion Dispute Letter
This Letter is to Be Sent to Transunion Along With a Copy of Your Government-Issued ID and 2 Bills/Statements Proving Your Address; Be Sure to Send This Letter Via TRACKABLE MAIL!

CLICK HERE to Access the Debt Validation Letter
This Letter is to Be Sent to Creditors/Collection Agencies AFTER You’ve Done Your First Round of Credit Bureau Disputes and Waited 30 Days from the Date the Creditor Received the Letter Shown on the Certified Postcard

CLICK HERE to Access the Method of Verification
This Letter is to Be Sent to the Credit Reporting Bureaus After They “Verify” a Debt and Refuse to Remove It. As a Consumer, You Have the Right to See Their Verification Process of Your Alleged Debt; Send Trackable Mail

CLICK HERE to Access the Identity Theft Letter
This Letter is to Be Sent to the Credit Reporting Bureaus AFTER You Have Filed a Police Report for Identity Theft; After You Receive an Official Police Report, Include It With This Letter and Send Via Trackable Mail

CLICK HERE to Access the Hard Inquiry Removal Letter
This Letter is to Be Sent to to the Credit Reporting Bureaus Using Trackable or Certified Mail; While This Letter Cites the Law, Experian is Usually the Main Bureau to Remove Hard Inquiries but TRY the Other Two Also!

CLICK HERE to Access the Obsolete Information Letter
This Letter is to Be Sent to the Credit Reporting Bureaus to Remove Obsolete (Old) Accounts and Other Information to Be Removed; Be Sure to Ask Them to ADD Your New Address and Phone Numbers If Applicable.

Keep Logs of ALL Your Activity With the Credit Bureaus and Creditors By Using the Logs Below:

CLiCK HERE to Access the Microsoft Word Log
It’s Recommended That You PRINT This Out and Write In It OR Keep a Digital Version on Your Computer, Updating It With Each Action

CLICK HERE to Access the Microsoft Excel Log
It’s Recommended That You PRINT This Out and Write In It OR Keep a Digital Version on Your Computer, Updating It With Each Action

Use the Restrictive Endorsement Letters (Below) Only AFTER You’ve Done Your Disputes and Debt Validation Letters As Indicated Above (And IF You Have 5% to 10% to Pay Off the Debt You Owe)

CLICK HERE to Access the Restrictive Endorsement Letter #1
This Letter is to Be Sent to Creditors/Collection Agencies If You Have Money (Even a LITTLE MONEY) to Pay Off the Debt in Full (and It Can Be 5% or 10% of the Total Debt Owed); Send Via Trackable Mail, Wait 30 Days

CLICK HERE to Access the Restrictive Endorsement Letter #2
This Letter is to Be Sent to Creditors/Collection Agencies AFTER You Have Sent Them Letter #1 and Waited 30 Full Days AFTER Tracking Shows They Received the Letter; Send This Letter Via CERTIFIED Mail with Payment

You Can Use the Below Letters to Do a “Pay For Delete” or Get a “Goodwill” Exception to Have Your Accounts Show a POSITIVE Reflection of Your Credit Accounts on Your Credit Reports

CLICK HERE to Access the Pay-For-Delete Letter
This Letter is to Be Sent to Your Creditor or Collection Agency to Negotiate a Settlement of Some Amount You Can Afford to Pay; Be Sure to Send This Via Trackable Mail; This Will NOT Delete the Account from Your Credit

CLICK HERE to Access the Goodwill Adjustment Letter
This Letter is to Be Sent to Your Creditors on OPEN REVOLVING Accounts to Adjust or Get Rid of Late Pays; They May or May Not Favorably Update Your Account Based on Your Prior Payment History With Them.

Below You’ll Find Two (2) Critical Cease and Desist Letters

CLICK HERE to Access the Cease and Desist Re-Aging Letter
This Letter is to Be Sent to the Credit Reporting Bureaus in the Event That They Take an OLD Account and Report It As NEW, Starting the 7-Year Clock Again; Send This Letter Via Trackable or Certified Mail

CLICK HERE to Access the Creditor Cease and Desist Letter
This Letter is to Be Sent to Your Harassing Creditors and Collection Agencies Who Are Harassing You Via Mail, Calls, or Texting; If They Don’t Stop Contacting You, SUE THEM and GET PAID!

Use the Legal Threat Letters (Below) Only AFTER You’ve Done Your Disputes and Debt Validation Letters As Indicated Above and/or the Restrictive Endorsement Process and You’re NOT Seeing the Results (Accounts Updating Favorably OR Being Deleted),

The First Letter Can Be Mailed on Your Own WITHOUT an Attorney; The Second Letter Requires an Attorney and You Can Find a Low-Budget Option on Fiverr.com (DO NOT Use the Attorney Template As Is)

CLICK HERE to Access the Legal Threat Template Letter
This is to THREATEN Your Creditors, Collection Agencies, and Credit Bureaus IF Accounts Are NOT Falling Off; NO ATTORNEY NEEDED to Use This Letter, You Can Mail It Yourself with CERTIFIED Mail Only!

CLICK HERE to Access the Attorney Template Letter
This is to THREATEN Your Creditors, Collection Agencies, and Credit Bureaus IF Accounts Are NOT Falling Off; Be Sure to Find Your Own Attorney to Use This Template and DO NOT Use This Template As Is!