Dispute Letters
Dispute Letters
Intent To File Lawsuit for FCRA Violation
Use this letter to notify credit bureau of your intent to sue. I have contacted all of the false creditors listed on my credit file. Pursuing the full judgment that I can get against all reporting agencies for violation of the Fair Credit Reporting Act an
Free
Issue NowIntention to File FTC Complaint - After 30 Days
Use this letter when the reporting agencies have failed to respond, investigate, or provide communication about the investigation to all affected parties. Failure to respond within a 30-day time frame is a violation of the FCRA.
Free
Issue NowLetter Of Hardship For Loan Modification
Instructions: We suggest that you modify this to letter be unique to your situation and hardship.
Free
Issue NowMethod of Verification Request
When the bureau responds to your dispute and request for verification/validation, their response may be vague. For instance, they will sometimes just say “verified” without offering actual proof.
Free
Issue NowRequest Annual Credit Report
Please note you are entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. Use this letter to obtain your free copy.
Free
Issue NowRequest Original Creditor to Take Back Debt from Collection Agency
This can be a particularly useful letter if you have a collection agency that has been abusive to you for a valid debt.
Free
Issue NowRequest Removal after Creditor Verification
A credit removal letter is a formal request to the credit bureau to investigate an inaccurate item, and remove it from your credit profile.
Free
Issue NowRequest to Add Additional Credit Information
Getting positive information added by anyone other than the source is not an easy task. However, sometimes for a fee a Credit Bureau will often add the information if proof is acquired from the source.
Free
Issue NowRequest to Describe Investigation Procedures
While the FCRA requires the credit reporting agencies to conduct a reasonable investigation, they often only conduct a minimal and token review.
Free
Issue NowRequest to Merge Spouse's Credit History
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.
