About

About

A free, plain-language library of letters for fixing credit-report errors and dealing with debt collectors — honestly.

Credit reports are often wrong, and the law gives you free tools to fix them. But the credit-repair corner of the internet is full of paid "fixes" and viral "609 loophole" templates that promise to erase real debts. This site collects the letters that are actually grounded in law — disputing inaccuracies under the Fair Credit Reporting Act (FCRA), validating and limiting debt collectors under the Fair Debt Collection Practices Act (FDCPA), goodwill and negotiation requests, and identity-theft blocks — each with what to attach, the deadline, and the rule behind it.

Every letter is a starting template, written to be edited. We are honest about limits: only accurate-but-unverifiable or genuinely inaccurate items can be removed by a dispute; accurate negatives legitimately stay (generally about seven years); and no letter forces a bureau to delete a real debt because a magic word was used. Nothing here is legal or financial advice, and using a template creates no professional relationship.

For help specific to your situation, free and low-cost resources exist: the CFPB (consumerfinance.gov), the FTC (IdentityTheft.gov for fraud), nonprofit credit counselors (NFCC), and Legal Aid. For lawsuits or serious violations, talk to a consumer-law attorney.