All letters

Credit report disputes

• Add a 100-Word Consumer Statement to Your Report3 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' Dispute3 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 Clock4 min

Negotiate removal

• Settle a Debt for Less Than You Owe (Letter Template)3 min
• Goodwill Letter to Remove a Paid Late Payment3 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