CREDIT BASICS + Templates
This letter is to be sent to the debt collection company attempting to collect a debt on you.
A pay-to-delete is when you negotiate with the debt collector for removal of the debt in exchange for payment.
*Use these letters to request your closed student loans be removed from your credit profile*
This letter is used to initiate the dispute process with the credit bureaus. You will generate one letter for each bureau, adding all of the accounts that you want to include in your dispute.
This kit has step-by-step instructions to remove your DISCHARGED bankruptcy from your credit report.
These 2 letters are used to remove inquiries from your credit report. The first letter goes to the credit bureaus. If they refuse to remove the inquiries, then send the second letter to the creditor who submitted the inquiry.
This letter is used for debt close to falling off of your credit report, but not quite at the 7-year mark.
These letters are used for debt that has been verified. The first letter is sent to whoever verified the debt. The second letter is used if, after the first letter, you still do not receive the information requested.
Do you have late payments that you want removed? Use this letter template to request the removal of late remarks on an open account.
*There is NO law that says a creditor has to remove a late payment. As a consumer, you have the right to request, but they also have the right to deny.
*deletions do not absolve you of any debt. Unless due to identity theft or some other reason that specifically states you do not owe the debt, you are still ultimately responsible and should reach out to the original creditor to handle the debt.
Send this to the debt collector or collection agency that has informed you that they have ownership of your debt.
Fill out the highlighted information and send this letter to the debt collector or collection agency that has informed you that they have ownership of your debt.