Free Sample Letters * Credit Repair * Credit Disputes * Debt Consolidation * Bankruptcy * Consumer Credit

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Sample letters for some credit situations
Last updated May 27, 2009

• Initial sample letter to credit bureaus - credit repair kit


• Another initial sample letter to credit bureaus


• Dispute letter for subsequent credit bureau correspondence - credit repair kit


• Letter requesting removal of inquiries


• Special breaks on full payment laws to Californians - debt consolidation strategy


• Agreement between you and your creditor to reduce your debt


• Letter requesting a collection agency to cease and desist contact with you for a debt owed


• Goodwill Letter to a creditor to remove a negative listing


• Request to a collection agency to validate a debt


• Simplistic sample letter requesting a collection agency to validate.


• Letter to a Collection Agency To Stop Reporting Zombie Debt


• If the collection agency won't validate your debt and the credit bureau says they have verified it, here is the letter to send to the credit bureau


• Notification of lawsuit to a credit reporting agency


• How to write a letter explaining your mortgage and/or other lates when applying for credit


• Request to Vacate a Judgment


• Request to Original Creditor to Verify a Debt


• Hardship Letter Explaining Why You Need a Mortgage Restructuring Loan

Please note: You will NEVER find the exact letter for your situation. You have to change the language in these sample forms 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 samples are only 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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