Credit Repair Letters

Fixing your credit starts with an understanding of which issues need attention. A variety of problems need specific action based on the tradeline; Problems coming from the credit bureau directly, issues with a collection agency, or an original creditor will all take special handling.  

Credit repair letters that are written with experience of these issues may be hard to find online unless you purchase them one at a time or find a credit repair attorney to do the work for you. 

Tackle credit bureaus and creditors

We've created a set of sample credit repair letters that cover the collection agency, credit bureau, and original creditor issues. These credit repair letters are included in one download, and there are over 40 letters to tackle specific issues. 

The sample credit repair letters have been pre-written and come with directions on how and when to use each letter for various problems. Once you download the set, you can use them repeatedly as issues arise or as you work overtime to repair your credit reports. 

Some typical issues you'd want to address would be medical collections, hard inquiries, restrictive endorsement to settle old negative debt, and improving a judgment using methods to dismiss or vacate.

If you have recently discovered that your credit is less than impressive, it may be time to take steps to improve it and get back on track. Since most debts have a reasonably long statute of limitation, you may be limited to renting a place to live or buying a car with bad credit. If you begin to work on your credit, you can slowly rebuild your credit score and better manage the credit you already have.

What are credit repair letters?

Credit repair letters are letters sent to creditors, debt collectors, and other credit reporting agencies to dispute any errors or discrepancies on your credit report.

The goal of a credit repair letter is to provide evidence that you are not the person who owes the debt. You can also request that the creditor remove your name from their records. If you have been a victim of identity theft, this is an effective way to take control of the situation.

A credit repair letter can be written by hand or typed out on paper and mailed in an envelope with a return address. The letter should include your full name, address, phone number, social security number and account numbers for all accounts included in the dispute.

How can credit repair letters be helpful?

Credit repair letters are one of the most important tools for credit repair. They are a way to communicate with creditors and request them to remove the negative entries from your credit report.

Do credit repair letters work?

A letter is a powerful tool in the credit repair arsenal, but it's not a magic bullet. If the letter is poorly written or contains errors, it could actually damage the credit repair process. That is why we have created time-tested credit repair letters.

What are the critical points in a credit repair letter?

The credit repair letter is the first step in the process of attempting to repair your credit. It is a letter you wrote to the creditor asking them to remove any negative information on your credit report.

The key points of a credit repair letter are:

• -Explain why you’re writing the letter and what you want to accomplish

• -Provide documents that show why you’re asking for this change (i.e., bankruptcy, not mine, inaccurate, expired)

• -Explain what will happen if they don't fix it and how the item is affecting your life. Especially if it’s inaccurate or expired

• -Offer any other information that might help them make their decision

Sample letters to remove charge offs from credit reports

Our DIY credit repair kit includes sample letters to dispute charge-offs on your credit report. Charge-offs are extremely negative and can kill your credit score for 7-10 years. Luckily, many creditors and collection agencies have loose and sloppy policies in record keeping. The older the debt, the better your odds are that the record tracking has been bad. This allows an avenue for you to request an investigation to see if a charge-off is erroneous, incorrect or outdated.

Click here to learn more about what's included in our credit repair kit.