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Credit dispute letters that actually follow the law.

Free, copy-paste letters to dispute report errors (FCRA), answer debt collectors (FDCPA), request goodwill or pay-for-delete, and block identity-theft accounts — no "secret loopholes," just the real process.

Not legal or financial advice. These are general templates. Dispute only what you believe is inaccurate, and confirm the current rules for your state.

15 letters

• Credit report disputes Add a 100-Word Consumer Statement to Your Report Free FCRA letter to add a brief statement of dispute to your credit report when an item stays after you dispute it — so anyone reading your file sees your side. Copy, fill in, send. 3 min →
• Credit report disputes Dispute an Error on Your Credit Report (FCRA Letter) Free FCRA Section 611 letter to dispute an inaccurate item with a credit bureau — they must investigate within ~30 days and delete what they can't verify. Copy, fill in, send. 4 min →
• Credit report disputes Dispute an Unauthorized Hard Inquiry (Letter Template) Free letter to dispute a hard inquiry you didn't authorize on your credit report. Unauthorized inquiries can be removed; you authorized ones generally can't. Copy, fill in, send. 3 min →
• Credit report disputes Dispute a Mixed or Merged Credit File (Letter Template) Free FCRA letter for when someone else's accounts appear on your credit report — a mixed/merged file from a similar name or SSN. Demand separation and deletion. Copy, fill in, send. 3 min →
• Credit report disputes Request Method of Verification After a 'Verified' Dispute Free FCRA letter to demand the method of verification when a credit bureau says your disputed item was 'verified' — what they checked, who they contacted, and the evidence. Copy, fill in, send. 3 min →
• Credit report disputes Send a Section 609 Information Request (What It Really Does) Free FCRA Section 609 letter to request a full disclosure of your credit file — and the honest truth: a 609 letter is NOT a loophole that deletes debts. Copy, fill in, send. 4 min →
• Debt collectors Tell a Debt Collector to Stop Contacting You (Cease Letter) Free FDCPA cease-communication letter to make a debt collector stop contacting you. Know the trade-off: it stops contact, not the debt — and can prompt a lawsuit. Copy, fill in, send. 3 min →
• Debt collectors Send a Debt Validation Letter (FDCPA, 30 Days) Free FDCPA debt-validation letter to send a collector within 30 days of first contact — they must pause collection until they verify the debt is yours and the amount is right. Copy, fill in, send. 4 min →
• Debt collectors Dispute a Collection Account on Your Report (Letter Template) Free FCRA letter to dispute a collection account on your credit report — not mine, wrong amount, already paid, or duplicate of the original debt. Copy, fill in, send. 3 min →
• Debt collectors Respond to a Time-Barred (Old) Debt Without Restarting the Clock Free letter to respond to an old, time-barred debt — past the statute of limitations a collector can't sue you, but a payment or admission can RESTART the clock in many states. Copy, fill in, send. 4 min →
• Negotiate removal Settle a Debt for Less Than You Owe (Letter Template) Free debt-settlement letter offering a lump sum to resolve a debt for less than the full balance — with the tax and credit caveats and a get-it-in-writing rule. Copy, fill in, send. 3 min →
• Negotiate removal Goodwill Letter to Remove a Paid Late Payment Free goodwill letter asking a creditor to remove an accurate late payment you've since paid — a courtesy request, not a legal right, that works best with a good history and a real reason. Copy, fill in, send. 3 min →
• Negotiate removal Pay-for-Delete Offer to a Collector (Letter Template) Free pay-for-delete letter offering a collector payment in exchange for removing the collection from your credit report — with the honest caveats and a get-it-in-writing rule. Copy, fill in, send. 3 min →
• Identity theft & fraud Place a Fraud Alert or Security Freeze (Letter Template) Free letter and how-to for placing a fraud alert or a security freeze on your credit — both are free under federal law and stop new accounts being opened in your name. Copy, fill in, send. 3 min →
• Identity theft & fraud Block Identity-Theft Accounts From Your Report (FCRA 605B) Free FCRA Section 605B letter to block fraudulent accounts from your credit report using an FTC Identity Theft Report — bureaus must block within 4 business days. Copy, fill in, send. 4 min →

Credit-repair advice online is full of myths.

You have real, free rights under the FCRA and FDCPA. Each letter here turns one of them into a plain, copy-paste template — and tells you honestly what it can and can't do.

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