20 Different Free Credit & Debt Letters

[Credit Expert]

Request for Removal of Credit Counseling Notation Letter

This letter is intended to remove consumer credit counseling from your credit report. Many unsuspecting consumers consolidate their debt into these programs not knowing that it is viewed as a major negative by prospective lenders.


Letter #11 from our free credit repair kit: http://www.expert-credit-advice.com/Let ... tter11.htm





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To Whom It May Concern,

Some time in the past, I entered into a Credit Counseling/Debt Management program, which I am no longer associated with. It is being reported now by your bureau that I am presently enrolled in this program, which is incorrect information.

Under the Federal Fair Credit Reporting Act, all outdated and incorrect information must be removed from my credit report. This information is clearly outdated and is preventing me from reaching my financial goals. I hereby request that you update my file immediately and remove this information permanently.




Full Name: ________________________________________________________


Date of Birth: ___________________________________________


Social Security Number: ____________ - ________ - _____________



Current Address:

_________________________________________________

_________________________________________________



Previous Address:

__________________________________________________

__________________________________________________


Sincerely,

___________________________________________
Signature


Date:______________________________






-------------------------------------------------------------------------------------------------------------------------------------End #11

[Credit Expert]

#12 Creditor Settlement Offer Letter

This letter is meant for offering a settlement to pay off a debt that is owed. If the debt has already been sold to a collection company you can probably settle for less then 50% of the original balance.


Letter #12 from our free credit repair kit: http://www.expert-credit-advice.com/Let ... tter13.htm





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To Whom It May Concern:


According to your records, I owe an outstanding balance of $_____________, in reference to account number _____________________________.


I feel I have a moral obligation to pay this debt I owe; however, I do not have enough money to pay you in full.
I would like to offer you a settlement amount of $_________________ to consider this account paid.

Please accept this offer as it is all I can afford. If you accept this offer; please send me a letter that you are in agreement to the following terms:

1. You accept a one time lump sum payment of $_____________ to satisfy my debt of $_____________ owed to you.

2. You agree to cease collection attempts.

3. You agree to report to the credit bureaus Experian, Trans Union, and Equifax that this debt has been satisfied. Preferably that the debt has been paid in full; however that decision rests on your shoulders.

4. You will send proof of satisfaction to me stating that the debt has been satisfied as soon as my funds have cleared.


When I receive your letter I will immediately send you the agreed amount so I can get this burden behind me. I appreciate your consideration of my offer and thank you for your time.


Sincerely,

___________________________________________
Signature


Name:______________________________________


Address:

____________________________________

____________________________________

Phone Number: _________________________________





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[Credit Expert]

#13 Request for Husband and Wife File Separation Letter

This letter is used for separating credit reports between husband and wife. This may be very useful if your spouse has bad credit and you do not want it to affect your credit, or vice versa.


Letter #13 from our free credit repair kit: http://www.expert-credit-advice.com/Let ... tter12.htm





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To Whom It May Concern,

Under the Equal Opportunity Act, a husband and wife are allowed to maintain separate files pertaining to credit information. We request that the credit information on our accounts be maintained in separate files.

We further request that all past, current and future information be reported as separate account information to all credit reporting agencies.


Spouse 1

Name:________________________________________________________


Social Security Number:________-______-___________


Date of Birth:__________________________________


Current Address:

____________________________________

____________________________________


Previous Address:

____________________________________

____________________________________



Sincerely,
______________________________________
Signature

Date:______________________


Spouse 2

Name:________________________________________________________


Social Security Number:________-______-___________


Date of Birth:__________________________________


Current Address:

_____________________________________

_____________________________________


Previous Address:

_____________________________________

_____________________________________

Sincerely,

______________________________________




-------------------------------------------------------------------------------------------------------------------End #13

[Credit Expert]

#14 Creditor (Lump Sum) Settlement Agreement Letter

This letter is used for obtaining a written commitment from a creditor for which you are trying to settle with by means of a lump sum payment. This is a very important step when settling any account to ensure that the terms will be honored and the information will be reported to the credit bureaus.



Letter #14 from our free credit repair kit: http://www.expert-credit-advice.com/Let ... tter14.htm




-------------------------------------------------------------------------------------------------------------------------#14 Begin




To Whom It May Concern,

I am writing to reaffirm our agreement regarding the settlement of a debt that I owe to your company. The terms agreed upon were:

1) “I”__________________________, agree to pay __________________________”YOU” the amount of $__________ in full satisfaction of all amounts that I owe you, and YOU agree to accept this amount in full satisfaction of all amounts that I previously owed you.

2) I agree to pay the above amount in one installment for the amount of $__________. I will render a check on / / , I will mail this payment to your office located at:
Address:_____________________________________________________________________

If incorrect please correct address here:
____________________________________________________________________________

3) My non-payment of the full amount when it is due will leave me in default. If I am in default, you may send me a written notice advising me that, if I do not pay the overdue amount by a certain date, the entire unpaid balance will become due within 30 days after the date on which the notice is delivered or mailed to me.

4) Upon discharging this debt, you agree to notify each credit bureau to which you report credit information, that any adverse credit information regarding my account with you is no longer verifiable, and that it should be deleted from my credit report.

If you agree to the terms and conditions contained herein, please sign this agreement in the places provided and return this document to me at the address shown below.


Terms and conditions accepted and agreed by: _____________________________________________

____________________________________________
Signature

____________________________________________
Title



Sincerely,
____________________________________
Signature


Address:

_________________________________________

_________________________________________

_________________________________________

Date: ________________



--------------------------------------------------------------------------------------------------------------------------------#14 End

[Credit Expert]

Creditor (Installment Contract) Settlement Agreement Letter

This letter is used for obtaining a written commitment from a creditor for which you are trying to settle with by paying in installments. This is a very important step when settling any account to ensure that the terms will be honored and the information will be reported to the credit bureaus.



Letter #15 from our free credit repair kit: http://www.expert-credit-advice.com/Let ... tter15.htm

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To Whom It May Concern,


I am writing to reaffirm our agreement regarding the settlement of a debt that I owe to your company. The terms agreed upon were:

1) “I”__________________________, agree to pay __________________________”YOU” the amount of $_______________ in full satisfaction of all amounts that I owe you, and YOU agree to accept this amount in full satisfaction of all amounts that I previously owed you.

2) I agree to pay the above amount in _____ monthly installments of $_________, without
interest. The first payment is to begin on / / , and each remaining payment to be paid on the ______ day of each month. I will mail these payments to your office located at:
___________________________________________________________________________.

3) My non-payment of the full amount of each payment when it is due will leave me in default. If I am in default, you may send me a written notice advising me that, if I do not pay the overdue amount by a certain date, the entire unpaid balance will become due within 30 days after the date on which the notice is delivered or mailed to me.

4) Upon discharging this debt, you agree to notify each credit bureau to which you report credit information, that any adverse credit information regarding my account with you is no longer verifiable, and that it should be deleted from my credit report.

If you agree to the terms and conditions contained herein, please sign this agreement in the places provided and return this document to me at the address shown below.



Terms and conditions accepted and agreed by: X_______________________


X_______________________
Signature

X_______________________
Title



Sincerely,

__________________________________________
Signature


Address:

________________________________________

________________________________________


Date: _________________________________________





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[Credit Expert]

Cease and Desist Letter

This letter is used to stop harassing phone calls from creditors and collection companies. It is imperative that you send this letter certified mail return receipt in order for it to be taken seriously and to protect you legally.


Letter #16 from our free credit repair kit: http://www.expert-credit-advice.com/Let ... tter16.htm




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Certified Mail #: ___________________________________________


NOTICE TO CEASE AND DESIST COMMUNICATION BY PHONE


To Whom It May Concern:

Please limit your communication with me in writing only. If I receive any live telephone calls, or repeated dialing and hang-ups from your computer dialing systems, I will consider them to constitute harassment. Please be advised that unwanted telephone calls are a class 1 misdemeanor in this state and I will file a complaint against the caller (individually) and your company with my state’s Attorney General. I maintain a telephone log of each call and calls attempted by your automatic dialers. Notice: This letter serves as written notice that I will make an audio recording of your call.

Please be advised that you have the right to remain silent. If you ignore this notice and contact me by telephone, you and your employees agree to allow me to make the audio recording of our conversation. You, and your employees, agree to allow said information to be used against you in a court of law.

I further demand a copy of your “written policy” for maintaining the “do not call” list, as required by the Telephone Solicitation Act (“TSA”) and the Telephone Consumer Protection Act (TCPA”). Federal Statutes impose a $500 fine against unwanted telephone solicitation. I do not want you to call me. If you call me, you agree to pay, on a for-hire basis, my telephone and equipment and time in answering your call at a rate of no less than $500 per call. I will only accept your written communication.

Be advised that I am not requesting a “verification” that you have my mailing address; I am request a “validation” (competent evidence that I have some contractual obligation to pay you).

The Federal Communication Commission can issue citations and fines against companies and individuals found in violation the FCC rules or TCPA guidelines.
Please govern yourself accordingly.


Sincerely,

________________________________________



Address:

___________________________________

___________________________________



Date______________________________________





--------------------------------------------------------------------------------------------------------------End Letter 16

[Credit Expert]

Demand for Validation Letter

This letter is used to place the burden of proof on the creditor or collection agency that the debt in question truly belongs to you based on contractual law. If the creditor or collection agency is unable to provide specific documents you may be able to delete the negative item from your credit report due to lack of documents.

Letter #17 from our free credit repair kit: http://www.expert-credit-advice.com/Letters/Letter17.htm



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Certified Mail #:_________________________________________________________________

To Whom It May Concern,

I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies by“_____________________” or “_________________________________________” for me, _______________________, for
account number _________________________________.

Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable.

Please be advised that I am not requesting a verification that you have my mailing address; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line.

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative trade line notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes.

I look forward to a timely resolution to this matter.



Name: __________________________________________________________


Social Security Number: _________-_______-____________


Date of Birth: ____________________________


Current Address:
_______________________________________

_______________________________________


Previous Address:

_______________________________________

_______________________________________



Sincerely,

_____________________________________
Signature


Date: ________________________________________



------------------------------------------------------------------------------------------------------------------------End Letter #17

[Credit Expert]

Removal of Unidentifiable Information Letter

This letter is for disputing information on your credit report that does not belong to you. Anything that you do not recognize may be easily deleted by using this letter.


Letter #18 from our free credit repair kit: http://www.expert-credit-advice.com/Let ... tter18.htm


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To Whom It May Concern:

There are several items on my credit report that I have no knowledge of, and do not belong to me. These items are having a negative impact on my credit report. Since I have no knowledge of these accounts; I am asking you to investigate these items immediately.

Item #1 Name:___________________________________

Account #:___________________________

Item #2 Name:___________________________________

Account #:___________________________

Item #3 Name:___________________________________

Account #:___________________________

Item #4 Name:___________________________________

Account #:___________________________

Item #5 Name:___________________________________

Account #:___________________________

If your investigation finds the items do not belong to me, I demand that these items be removed immediately and my credit score be adjusted accordingly. In addition I am requesting a copy of my
updated credit report reflecting these changes be sent to me immediately. I appreciate your attention in
this matter.


Full Name:______________________________________________________________


Date of Birth:________________________________________


Social Security Number:__________-_______-_____________


Current Address:

_____________________________________________

_____________________________________________



Previous Address:

_____________________________________________

_____________________________________________






Sincerely,

________________________________________________
Signature



Date:_____________________________________________





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[Credit Expert]

#19 - Request for Addition of Supplementary Credit References Letter

This letter is used for adding accounts that are not being reported to your credit report. The credit bureaus are not required to report all accounts but they are required to reflect the maximum possible level of accuracy.


Letter #19 from our free credit repair kit: http://www.expert-credit-advice.com/Let ... tter19.htm




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To Whom It May Concern,

According to the Fair Credit Reporting Act, 15 USC section 1681i, I request that you add the following credit references to my credit report:

Creditor Name Creditor Address Account #

_______________________ __________________________ _________________________________ _____________

_______________________ __________________________ _________________________________ _____________

_______________________ __________________________ _________________________________ _____________

_______________________ __________________________ _________________________________ _____________

_______________________ __________________________ _________________________________ _____________

I appreciate your attention to this matter, as the addition of these credit references will more accurately portray my credit history. Please inform me within the statutory 30-day time period from your receipt of this letter of your compliance with the provisions described in 15 USC 1681e, which require that all information in a consumer’s credit report must reflect “…the maximum possible level of accuracy”.



Name: ___________________________________________________________


Social Security Number: ________-______-__________


Date of Birth: __________________________________


Current Address:

__________________________________________________

__________________________________________________


Previous Address:

________________________________________________

________________________________________________



Sincerely,



_________________________________________________
Signature


Date: _________________________________________


Social Security Number:__________-_______-_____________


Current Address:

_____________________________________________

_____________________________________________


Previous Address:

_____________________________________________

_____________________________________________



Sincerely,

________________________________________________
Signature


Date:_____________________________________________




-----------------------------------------------------------------------------------------------------------------End Letter #19

[Credit Expert]

Addition of Consumer Statement Letter

This letter is used to add a consumer statement of 100 words or less to your credit report. This statement should only be added if you have attempted to delete the negative items and you are unsuccessful. This letter will allow you to explain yourself for all to see.




Letter #20 from our free credit repair kit: http://www.expert-credit-advice.com/Let ... tter20.htm


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To Whom It May Concern,

I recently disputed the accuracy and completeness of incorrect information on my credit report. Since reinvestigation has not resolved my dispute, I insist the following statement, without alterations, be included in my credit report to show the nature of my dispute for all to see:

_______________________________________________________________________

_______________________________________________________________________

_______________________________________________________________________

_______________________________________________________________________

According to the Fair Credit Reporting Act 15 USC Section 1611i (b), I have the right to include the above consumer statement in my credit report. The Act also states that you are obligated to include my statement in any subsequent consumer reports that include the disputed information. Furthermore, because my statement contains less than 100 words, I demand that you include the full text of the statement in my report, without changes, alterations or summaries.

According to the Fair Credit Reporting Act, you are required to send me a free updated copy of my credit report including the above statement, within thirty days from your receipt of this request. This represents a reasonable period of time for completing this update, unless otherwise you notify me immediately. Please send the report to the address stated below.


Name: ___________________________________________________________


Social Security Number: __________-_______-______________


Date of Birth: _______________________________


Current Address:

__________________________________________________

_________________________________________________


Previous Address:

_________________________________________________

_________________________________________________



Sincerely,

_______________________________________
Signature



Date: _____________________________





------------------------------------------------------------------------------------------------------------------------End Letter # 20