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Credit Repair Letters 101

October 14th, 2016 · 6 Comments · Credit Repair Letters

by Kristy Welsh

(Last Updated On: February 26, 2018)

Credit Repair Letters 101If you have bad credit, this is a great place to start. Sure, there are other things you can do to improve your credit, like getting a secured credit card and paying your bills on time. But when they work, the impact of credit repair letters can be more helpful than anything else.

Credit Repair Letters Q&A

Of all the tools you have at your disposal during the credit repair process, writing letters can be the most powerful. So if you haven’t already, make sure you’re using them to their utmost potential. Here’s what you need to know. Read more…

Mistake on Credit Reports? 4 Free Dispute Letters You Can Send to Credit Bureaus

As much as you may want errors removed from your credit reports, nobody wants to sit down and write the necessary dispute letters to the credit bureaus. Thankfully, you don’t really have to. Instead, use our collection of form letters, which you can edit to fit the circumstances of your situation. Read more…

Before Paying a Collection Agency, Send Them a Debt Validation Letter

Whether you have the money to pay them or not, hold off on sending a collection agency anything until you send them a debt validation letter. Read more…

Debt Past Statute of Limitations? Write This Letter to Zombie Debt Collectors

Every debt has a statute of limitations. It varies by state, but it’s there, and if you have debt in collections, it’s something you need to know. Because whether the debt belongs to you or not, once that statute of limitations has passed, it’s “zombie debt” and you are no longer legally required to pay it. That won’t always stop debt collectors from trying to collect on it, though. In that case, it’s up to you to try and stop it. Read more…

Two Times It’s a Good Idea to Send a Credit Repair Letter to an Original Creditor

You’ll probably send most of your credit repair letters to the credit bureaus or collection agencies. However, there are a couple of scenarios in which it’s appropriate to send a letter to the original creditor. Do either of these apply to you? Read more…

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