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Free Credit Repair Letter Templates - Letters to Validate Debt, Credit Report Dispute Letters


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Letters for every situation, credit disputes, debt settlement, tips on responding to lawsuits, and debt validation.

Free Sample Credit Repair Letters and Templates

Last Updated: February 14, 2013

Letters to Send to the Credit Bureaus

Letters to Send to Original Creditors

Letters to Send to Collection Agencies

Letters for Unique Circumstances

Please note: You will NEVER find the exact letter for your situation. You have to change the language in these sample letters to match your situation - don't be afraid to do this. 30-day lates, bankruptcies, charge-offs, etc. are all interchangeable terms on these credit repair/debt validation letters. You don't know how many times I've heard the question "Do you have a letter for disputing a bankruptcy?". The answer is YES, you take out the words "this credit card" and substitute "this bankrupcy" in the credit dispute letter - get the idea? The reasons for disputes are also interchangeable.

Also, please READ the letters before sending them off. If you just copy and paste forms you find on the internet, you will FAIL in your efforts. These sample letters are meant to give you ideas on what to say. Don't get hung up on crafting the perfect letter - just know what you are saying!

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