Key Documents

In our opinion there are no better sample letters available on the Internet.  Please understand these are the product of over ten years of experience and visitor feedback that has helped to perfect them.  So they are very effective and time tested!  Our suggestion is to save your time and effort and look no further. 

While we try to make our example letters easy to use, if you have questions or need specific "how-to" information, please feel free to contact us. If you do not find your document here, email us and we'll be happy to add it.

The Documents You Need:

We cannot emphasize enough that these are well tested and very successful documents.  They get results.  Be sure to use them and don't rely on the online dispute process.

The Dispute Letter: use this letter as your initial dispute tool with the credit bureaus.

The Follow-Up Letter: use this letter as a follow-up to the initial dispute letter. The 30 day period has expired and you are exercising your rights.

Follow-Up to Frivolous Claim: use this letter if a credit bureau tries to delay your disputes by claiming your dispute is frivolous.

Settlement with Original Creditor: use this letter as an offer to settle debts that have been sent to a collection agency. With this letter you negotiate negative items from your credit file in return for payment of the debt.

Cease & Desist Letter: use this letter to stop a collection agency from attempting to collect a debt. Make them stop harassing you, it's your right. Deal only with the original creditor.

Dispute Inquiry: use this letter if any inquiries appear to be unauthorized. Too many inquiries can lower your credit score.