Victim of Identity Theft
In order to deny credit incurred during identity theft, the victim must inform the credit bureau the theft has happened and dispute any fraudulent activity on their account.
Warning of Expired Debt
This letter informs a creditor that they are attempting to collect on an expired debt and any further attempts will be met with legal action.
609 Debt Validation Letter
This is similar to a debt verification letter you would send to a third-party collector when trying to validate the legitimacy of a balance due, which is your right under the Fair Debt Collection Practices Act.
Bureau re- investigation Request
Use this credit dispute letter when the investigation time period has passed, debt has not been removed nor validated, or statute of limitation has expired.
Cashed Check Constitutes Payment in Full
This letter is in two parts. Delete the sections that you do not need.
Complaint about Harassment
Use this letter may help you to get information, set limits or stop any further communication, or exercise some of your rights. If you believe a debt collector is harassing, you.
Dispute Credit Report Items Alternative
When you suspect one or more credit bureaus are reporting something incorrectly in your credit profile, you can send them a credit dispute letter. This requires them to investigate and resolve your claim within 30 days.
Debt Settlement Offer
Use this letter to make an initial debt settlement offer. It includes a negotiating point requesting to remove any late payments or charge off status from your credit report.
Dispute Accounts That Should Be Included in Bankruptcy
This dispute letter is used to inform credit reporting agencies they are reporting item that were discharged in your bankruptcy and they must remove any inaccuracies.
Dispute Credit Card Bill
Use this letter to dispute an incorrect charge on your credit card bill. For best results, send this letter within 60 days after receiving the first statement containing the incorrect charge.
Inform a Creditor that you have filed for Bankruptcy
Note: Be sure to provide clear, legible copies of your ssn and driver’s license or your documents will be rejected by the credit bureau.
Insufficient ID Response
If a bureau attempts to stall your progress by claiming the identification was not enough, use this letter and reassert that all customer ID documents were in place in the original dispute request.