If you’ve got issues in your credit reports, you can clear those items up by sending out a request to the associated credit bureau, for which the item appears. I do a lot of consulting and the best place for sample letters is CarreonandAssociates.com. A lot of sites charge up to 25.00 per letter and CarreonandAssociates gives you 44 letters plus free credit management tools for a one time fee of 39.95. It’s the best deal possible if you are interested in managing your credit.
You can download the sample letters, all 44, and included is a credit management ebook written by our resident expert, J.Kristi Feathers and you receive lifetime access to the Members only area where you can research statutes and codes and learn about credit problems including identity theft, collections and debt.
Look how many sample letters you get!
Collection Agency Letters
-Defense of expired debt to collection agency
-Settle collection debt with collection agency
-Collection agency warning of possible FDCPA violation
-Collection agency letter for medical debt using the HIPPA law
-Cease & desist letter to collection agency
-Cease & desist letter #2 to collection agency
-VOD: Validation of debt to collection agency
-VOD to collection agency- strong letter
-Expired Statute of Limitations defense (SOL)
-Estoppel letter to collection agency
-Admission by Silence- validation of debt to collection agency
-Offer to settle debt as PIF with collector/creditor
-Debt settlement offer to collection agency or original creditor
-Offer to settle debt to improve credit rating
-Offer in compromise (OIC)
-Unilateral Release for settling debts to collection agency
Credit Bureau Letters
-To credit bureaus regarding inaccurate credit rating
-Opt out letter to all three credit bureaus (external link)
-Request for investigation to the credit bureau
-Dispute bankruptcy listing with credit bureau
-Request to merge spouse’s credit history
-Request to correct credit report after bankruptcy
-Request for free credit report based on credit denial
-To credit bureau to remove inquiries especially collection agency
-Identity Theft Notification to credit bureau
-Credit bureau (CRA) for disputed item(s)
-Demand letter to credit bureau for investigation results
-More aggressive letter to (CRA) for disputed item(s)
-Reply to a CRA accusing you of credit repair
-To credit bureau intent to file suit
Judgment Related Letters
-Offer to settle judgment with creditor in exchange for dismissal
-Send to court to set aside judgment after settlement
-Judgment proof letter to OC or CA
Original Creditor Letters
-Letter advising creditor/collector of bankruptcy filing
-Reaffirmation agreement to creditor after BK
-To original creditor to pull back debt from collection agency
-Request to creditor to insert positive information into your credit report
-Debt reaffirmation letter to creditor after bankruptcy
-To creditor that you have filed bankruptcy
-To creditor to remove inquiry
-Goodwill letter to original creditor
Misc. letters
-Correspondence log for record keeping
-External budget worksheet- complimentary link
-Chexsystems letters to dispute and request file
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