Although we do not recommend it, you
can skip the e-Book all together and simply download the
individual letters below to help you
with credit and debt problems. There is a brief description
for each letter. Click the Preview & Download Button
for each Letter you would like to save.
Letter
1

|
Request for Copy of Credit
Report
This letter is used for
purchasing your credit report. You must first contact
the credit bureaus and get their current price for
a credit report in order to receive your credit
reports successfully. See contact information in
the e-Book, page 12.
|
Letter
2

|
Request for free copy of Credit
Report
This letter is to obtain a free
credit report based on credit denial. If you have
been denied credit based on the information in your
credit file within the last 60 days; you are entitled
to a free copy of your credit report from that credit
bureau. |
Letter
3

|
Request To Delete Inaccurate
Information
This letter is used for disputing
inaccurate information on your credit report with
the credit bureaus. You can dispute anything you
feel is inaccurate. |
Letter
4

|
Request to Remove Outdated
Information
This letter is used for disputing
outdated information on your credit report. The
Statute Of Limitations vary from state to state.
This letter should be sent certified mail return
receipt. If you would like to find out the length
of time items can remain on your credit report,
click here. |
Letter
5

|
Reminder to Respond
This letter is used as a reminder
notice to the credit bureau that they have not been
able to verify the accuracy of the items previously
disputed within 30 days so under federal law the
item(s) must be deleted. This letter should include
the original dispute letter and be sent certified
mail return receipt. |
Letter
6

|
Final Demand for Corrected
Credit Report
This final demand letter should
be sent if all else fails. This letter is much more
aggressive than the previous request and reminder
letters. It is very important that you include copies
of the two previous request and reminder letters
as well as produce and keep a copy for yourself. |
Letter
7

|
Request to Delete Unauthorized
Inquiries
This letter is used to delete
unauthorized inquiries from your credit report.
Many times companies do not have your permission
to access your credit report, but do it anyway.
This letter should be sent certified mail return
receipt. |
Letter
8

|
Request to Merge Inquiries
This letter is used to combine
several inquiries into one. For example, you may
have applied for a home loan with a mortgage broker
who allowed many companies to pull your credit report,
which would have a negative impact on your credit. |
Letter
9

|
Request for Reasons of
Credit Denial
This letter is to request the
reason(s) for being denied credit. This letter is
specifically used for obtaining information from
that company to help dispute those negative items
further with the credit reporting agencies. |
Letter
10

|
Explanation for Delinquent
Payment
This letter is used for pleading
with a creditor the fact that your untarnished credit
report has been affected negatively because of one
problem over many years of good payment history.
You are asking the creditor to remove the negative
information as a one-time courtesy based on your
excuse. |
Letter
11

|
Request for Removal of
Credit Counseling Notation
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
12

|
Request for Husband and
Wife File Separation
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

|
Creditor Settlement Offer
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
14

|
Creditor (Lump Sum) Settlement
Agreement
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
15

|
Creditor (Installment
Contract) Settlement Agreement
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
16

|
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
17

|
Demand for Validation
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
18

|
Removal of Unidentifiable
Information
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
19

|
Request for Addition
of Supplementary Credit References
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
20

|
Addition of Consumer
Statement
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. |