Letter library
Editable templates grounded in the FCRA and FDCPA. Fill in your details, optionally let AI personalize the wording, then copy or download to send via certified mail.
Dispute inaccurate, incomplete, or unverifiable information directly with a credit bureau. The bureau has 30 days to investigate.
Fair Credit Reporting Act, 15 U.S.C. §1681i
Ask the bureau to disclose how a disputed item was verified. Useful after a §611 dispute comes back 'verified'.
Fair Credit Reporting Act, 15 U.S.C. §1681g
Politely ask an original creditor to remove a paid-off late payment as a one-time courtesy. Works best for isolated lates on otherwise good accounts.
Not a legal remedy — a goodwill courtesy request to the creditor.
Send to a debt collector within 30 days of first contact to require them to validate the debt before collecting.
Fair Debt Collection Practices Act, 15 U.S.C. §1692g
Offer to pay a collection account in exchange for the collector deleting the trade line from your credit report. Collector must agree in writing.
Voluntary negotiation. Not a statutory right.
Dispute an account or inquiry that resulted from identity theft. Pair with an FTC Identity Theft Report from IdentityTheft.gov.
Fair Credit Reporting Act §605B, 15 U.S.C. §1681c-2
Direct a debt collector to stop contacting you. Note: this stops contact but does not erase the debt and may invite a lawsuit on valid debts.
Fair Debt Collection Practices Act, 15 U.S.C. §1692c(c)
Dispute a hard inquiry you did not authorize. Send to the credit bureau and (separately) to the company that pulled your credit.
Fair Credit Reporting Act, 15 U.S.C. §1681b (permissible purpose)