CREDIT DISPUTE LETTERS!

The Best Letters to Use Are Listed Below:

Cancel Debt 809 Letter

This letter is to be sent to debt collectors, law firms trying to collect debt, and/or collection agencies either after they’ve contacted you OR if you want them removed from your credit reports. Send this letter trackable and certified. Do not legally sign the letter (use initials). Do not send a copy of your ID.

609–611 Dispute Letter

This letter is to be sent to the credit reporting bureaus as a replacement for the traditional dispute letter. Mail this letter with proof of identity and two bills/statements using trackable mail.

New ID Theft Letter

This letter is to be sent to the credit reporting bureaus after you have filed a police report for identity theft. After you receive an official police report, include it with this letter and send via trackable mail.

Simple Experian Dispute Letter

This letter is to be sent to Experian along with a copy of your government-issued ID and two bills/statements proving your address. Send via trackable mail.

Simple Equifax Dispute Letter

This letter is to be sent to Equifax along with a copy of your government-issued ID and two bills/statements proving your address. Send via trackable mail.

Simple TransUnion Dispute Letter

This letter is to be sent to TransUnion along with a copy of your government-issued ID and two bills/statements proving your address. Send via trackable mail.

Debt Validation Letter

This letter is to be sent to creditors/collection agencies after you’ve done your first round of credit bureau disputes and waited 30 days from the date the creditor received the letter shown on the certified postcard.

Restrictive Endorsement Letters

Use these letters only after you’ve completed your disputes and debt validation letters and if you have 5% to 10% to pay off the debt you owe.

Restrictive Endorsement Letter #1

Send to creditors/collection agencies if you have money (even a little money) to pay off the debt in full (5–10% of total debt owed). Send via trackable mail and wait 30 days.

Restrictive Endorsement Letter #2

Send to creditors/collection agencies after you have sent Letter #1 and waited 30 days after tracking shows they received the letter. Send this letter via certified mail with payment.

Pay-For-Delete & Goodwill Letters

You can use these letters to negotiate a settlement or request favorable reporting updates.

Pay-For-Delete Letter

Send to your creditor or collection agency to negotiate a settlement for an amount you can afford to pay. Send via trackable mail. This will not delete the account from your credit.

Goodwill Adjustment Letter

Send to creditors on open revolving accounts to adjust or remove late pays. They may or may not favorably update your account depending on your prior payment history.

Cease and Desist Letters

Below you’ll find two critical cease and desist letters.

Cease and Desist Re-Aging Letter

Send to the credit reporting bureaus if they take an old account and report it as new, restarting the 7-year clock. Send this letter via trackable or certified mail.

Creditor Cease and Desist Letter

Send to harassing creditors and collection agencies who are contacting you via mail, calls, or texting. If they don’t stop contacting you, sue them and get paid.

Legal Threat Letters

Use the legal threat letters only after you’ve completed disputes, debt validation, and/or restrictive endorsement steps AND you are not seeing results (accounts updating favorably or being deleted).

Legal Threat Template Letter

This letter threatens your creditors, collection agencies, and credit bureaus if accounts are not falling off. No attorney needed. Send via certified mail only.

Attorney Legal Threat Template

This version requires an attorney. You must find your own attorney to use this template. Do not use the attorney template as-is.