[plus1 count="true" size="standard"][/plus1] If you've ever dealt with a collection agency or a credit bureau you know how tough it can be. The bureaucratic nature of the credit bureaus can seem like an ongoing mess.
Throw in a stubborn collection agency and you could be in for a long haul. Luckily there are credit laws that you can use to dispute your credit reports and it's completely legal despite how the media may spin "credit repair". We've created over 40 credit repair letters to help you navigate the credit industry.
Depending on your circumstances, each letter addresses various issues commonly found in credit reports. Incorrect payment histories, identity theft, expired debts -- both monetarily and credit report time limits as well as debt settlement and validation of debt. The credit repair letters also address judgments, collection accounts and charge offs that are common credit killers.
This package comes in two forms -- the full DIY credit repair kit including the sample letters for a one time fee of 29.95 or just the 40+ credit repair letters for 17.95. The complete DIY credit repair kit is a better deal because it's only a few dollars more and includes additional bonus ebooks on credit and debt as well as an ask the expert feature, legal resource center and various credit articles. You pay once but access is ongoing with nothing more to purchase.
Both the credit repair letters and the ebooks are available for instant download after payment and can be viewed in PDF format. The letters come with instructions and explanations above each letter to better guide you in how and when to use the letters.
Here are the 40+ Sample Credit Repair Letters
Collection Agency Letters -Defense of expired debt to collection agency -Settle collection debt with collection agency (payment for collection) -Collection agency warning of possible FDCPA violation -Collection agency letter for medical debt using the HIPPA law -Cease & desist letter to collection agency -Cease & desist letter #2 to collection agency -VOD: Validation of debt to collection agency -VOD to collection agency- strong letter -Expired Statute of Limitations defense (SOL) -Estoppel letter to collection agency -Admission by Silence- validation of debt to collection agency -Offer to settle debt as PIF with collector/creditor -Debt settlement offer to collection agency or original creditor -Offer to settle debt to improve credit rating (payment for collection) -Offer in compromise (OIC) -Unilateral Release for settling debts to collection agency
Credit Bureau Letters -To credit bureaus regarding inaccurate credit rating -Opt out letter to all three credit bureaus (external link) -Request for investigation to the credit bureau -Dispute bankruptcy listing with credit bureau -Request to merge spouse's credit history -Request to correct credit report after bankruptcy -Request for free credit report based on credit denial -To credit bureau to remove inquiries especially collection agency -Identity Theft Notification to credit bureau -Credit bureau (CRA) for disputed item(s) -Demand letter to credit bureau for investigation results -More aggressive letter to (CRA) for disputed item(s) -Reply to a CRA accusing you of credit repair -To credit bureau intent to file suit
Judgment Related Letters -Offer to settle judgment with creditor in exchange for dismissal -Send to court to set aside judgment after settlement -Judgment proof letter to OC or CA
Original Creditor Letters -Letter advising creditor/collector of bankruptcy filing -Reaffirmation agreement to creditor after BK -To original creditor to pull back debt from collection agency -Request to creditor to insert positive information into your credit report -Debt reaffirmation letter to creditor after bankruptcy -To creditor that you have filed bankruptcy -To creditor to remove inquiry -Goodwill letter to original creditor
Misc. Letters -Correspondence log for record keeping -External budget worksheet- complimentary link -Chexsystems letters to dispute and request file