Credit Infocenter

Credit Disputes: Free Templates for Your Letter-Writing Campaign

January 24th, 2013 · No Comments · Credit Repair

by Kristy Welsh

(Last Updated On: February 26, 2018)

Credit Disputes: Free Templates for Your Letter-Writing CampaignIf you thought good old-fashioned letter writing was obsolete, then you may not be aware of the number one defense you have when repairing your credit. That’s because credit disputes place the burden of proof on credit bureaus, creditors, and collection agencies to verify a listing’s accuracy. If they are unable to do so, the corresponding listing must be removed from your credit reports.

Now, if you’re already feeling intimidated at the thought of pounding out professional-quality correspondence, take comfort in this. We have free sample letters you can copy, paste and tweak for your own personal use.

To get started, simply:

1) Request copies of your credit reports from all three major credit reporting bureaus — Experian, Transunion and Equifax — through

2) Go through your reports noting all inaccurate listings.

3) Start sending out your letters. Check out our library of sample credit repair letters. There you’ll find links to credit dispute templates and more:

Letters to Send to Credit Bureaus

  • Credit report dispute
  • Basic credit report dispute
  • Follow-up to original credit report dispute
  • 30-day dispute period has passed
  • Letter to remove inquiries
  • Collection agency won’t validate your debt
  • Notify credit bureau of a lawsuit against them

Letters to Send to Original Creditors

  • Pay for delete of debt
  • Request removal of inaccurate information
  • Goodwill letter to request removal of a negative listing

Letters to Send to Collection Agencies

  • Debt validation letter
  • Short validation letter
  • Cease and desist letter
  • Zombie debt letter
  • Notify collection agency of lawsuit

Letters for Unique Circumstances

  • Motion to vacate a judgment
  • Full payment law in California
  • Letter explaining mortgage late payment
  • Hardship letter
  • Dispute repo letter
  • Remove information from ChexSystems

Just remember to edit each letter to your own unique circumstances and send it via certified mail with return receipt requested. For more information, check out our free guide to DIY credit repair.

Updated May 25, 2017

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