Credit Repair Letters

 

Credit Repair Letters

 

Free Sample Collection Letters – Credit Repair Letters

 

Sample Collection Letters – We have assembled the web’s most comprehensive list of free sample collection letters on the web.

 

We have covered almost every conceivable collection dispute imaginable.

 

Each letter has been reviewed by an attorney and is legally and factually correct at the time of writing.

 

With that being said, these letters are only examples and you may use their contents as you wish.

 

Pay special attention to words that are italicized or for curly brackets like these { }. These symbols indicate the area of the letter that needs to be replaced with your own personal information.

 

Due to the changing credit collection laws, Lendfast.com does not guarantee the accuracy or accept any liability from the use of these letters.

 

Please read our terms of Use if you have any questions.

 

To Collection Agencies

Send this letter first and for every collection that appears on your bureau. Collection agencies MUST respond to this within the first 30 days or lose collection rights. Initial Debt Collection Dispute
More than not, once you send the first validation letter you will not hear from them again, or they will not FULLY validate the debt. Send this letter... Follow-up Debt Collection Dispute (Same Collector)
When agencies fail to validate in time they will usually pass the debt along to a sister company. This company will send a very indiscrete letter in hopes of avoiding the validation period. 2nd Debt Collection Dispute (New Collector)
Often collection companies will send partial validation in hopes to get you to work with them Do not accept partial validation, send this letter. Debt is Still Invalid (collector attempted to verify the debt)
Send this letter when paying a debt. ALWAYS send the letter certified and only send money orders or certified checks. Final Payment (Debt Paid in Full)
It is almost certain that even after you pay your debt the agency will bundle your debt with hundreds of other debts to be sold to penny collection brokers. When they call send them this letter. Debt Was Previously Settled
When a payment agreement is reached send this letter. Never do ANYTHING with collection companies unless it is in writing. Payment Agreement w/Debt Collector
Items can only stay on your credit bureau 7 years from the date they were ORIGINALLY charged off. Send this letter if they continue to report the debt. Expired Statute of Limitations (SoL)
Send this letter if your broke, cant pay the debt and sick and tired of the phone calls. Judgment Proof
The legal way to tell them to go to hell :-) Stopping Collection Calls

 

To Credit Bureaus

Send this letter for every negative mark on your bureau, even if you know you owe it. If they are unable to validate the debt it comes off your report regardless.Initial Dispute Letter
Send this letter for every negative mark on your bureau, even if you know you owe it. If they are unable to validate the debt it comes off your report regardless.Address Correction Letter
A gentile but firm nudge if they are delayed in their response. Follow-up Dispute Letter
If you cant have the debt removed but you still dispute the transaction send this letter. Explain Negative Items in Credit Reports
When you pay off collections or companies go out of business or are bought and sold debts are no longer reported. Use this letter to have them removed. Remove Outdated Information
Inquiries are 10 percent of your credit score. If your credit bureau was shopped by a dealership or mortgage company you can use this to try and get the inquires removed. CRA Remove Illegal Inquiries
Send this letter to the companies that pulled your credit without your WRITTEN permission, then forward these to the bureaus with the letter above. Creditors Remove Illegal Inquiries

 

To Creditors

Everything in writing!!! Reduced Payment w/Creditor Agreement
If you need to make lower payments than you originally agreed to make. Everything in writing! Amend Debt Payment Agreement
This letter is to send into the creditor or your credit card company concerning a debt. Credit Card Dispute
Send this letter to reitterate the resolution agreement. Credit Complaint Resolution Letter
Send this letter if the did a crappy job or sold you a piece of junk Product or Service Complaint
ALWAYS send this letter when closing credit card accounts.Close Credit Accounts