Credit Infocenter

Writer’s Block No Excuse To Avoid DIY Credit Repair: 15 Sample Letters

January 20th, 2014 · No Comments · Credit Repair

by Kristy Welsh

(Last Updated On: February 26, 2018)

Closeup typewriter,vintageNo idea how to begin your letter to a credit bureau disputing an inaccurate listing? Your goodwill letter to an original creditor asking them to remove a negative listing? Your letter to a collection agency asking them to stop reporting zombie debt? No worries, Credit Info Center has got you covered with free DIY credit repair sample letters.

Though no sample letter can read exactly as you need it to for your unique situation, it can come really close. That’s why we’ve compiled a sampling of letters representing the most common reasons you can (and should) be writing to credit bureaus, original creditors, and collection agencies.

Review our list of free credit repair sample letters below, then:

  1. Determine which type of letter is right for your situation.
  2. Go to our sample letters page where you can link directly to each (free) sample.
  3. Read the samples carefully to be sure you are choosing the right one.
  4. Copy and paste the letter into a new document.
  5. Make edits to the document so that it fits your particular situation.
  6. Mail to the appropriate recipient (via certified mail with return receipt).


Letters To Credit Bureaus

  • Request Removal of Inaccurate Information
  • Another Letter to Request Removal of Inaccurate Information
  • Follow Up Letter to Your Request for Removal of Inaccurate Information
  • 30 Day Dispute Period Has Passed and Credit Bureaus Must Delete Disputed Accounts
  • Letter Requesting Removal of Inquiries
  • Collection Agency Won’t Validate Your Debt But the Credit Bureau Says It’s Verified
  • Notification to a Credit Bureau That You Are Filing a Lawsuit Against Them

Letters To Original Creditors

  • Request to Original Creditor to Investigate a Negative Listing
  • Goodwill Letter to a Creditor to Remove a Negative Listing
  • Agreement Between You and Your Creditor to Reduce Your Debt

Letters To Collection Agencies

  • Request to a Collection Agency to Validate a Debt You Owe
  • A Very Simple Letter Requesting a Collection Agency to Validate a Debt
  • Letter Requesting a Collection Agency Cease and Desist All Contact with You
  • Letter to a Collection Agency To Stop Reporting Zombie Debt
  • Notification to the Collection Agency That You Are Filing Suit Against Them

Bottom line, do not be intimidated by the credit repair process, letter writing included. The letters are written; all they need is a good edit or two.

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