All letters

Credit report disputes

• Add a 100-Word Consumer Statement to Your Report 3 min →
• Dispute an Error on Your Credit Report (FCRA Letter) 4 min →
• Dispute an Unauthorized Hard Inquiry (Letter Template) 3 min →
• Dispute a Mixed or Merged Credit File (Letter Template) 3 min →
• Request Method of Verification After a 'Verified' Dispute 3 min →
• Send a Section 609 Information Request (What It Really Does) 4 min →

Debt collectors

• Tell a Debt Collector to Stop Contacting You (Cease Letter) 3 min →
• Send a Debt Validation Letter (FDCPA, 30 Days) 4 min →
• Dispute a Collection Account on Your Report (Letter Template) 3 min →
• Respond to a Time-Barred (Old) Debt Without Restarting the Clock 4 min →

Negotiate removal

• Settle a Debt for Less Than You Owe (Letter Template) 3 min →
• Goodwill Letter to Remove a Paid Late Payment 3 min →
• Pay-for-Delete Offer to a Collector (Letter Template) 3 min →

Identity theft & fraud

• Place a Fraud Alert or Security Freeze (Letter Template) 3 min →
• Block Identity-Theft Accounts From Your Report (FCRA 605B) 4 min →