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Free credit repair
Free Individual Letters to Download
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.
You have the option of DOC (Microsoft Word), RTF (Almost any program will open) and PDF (Adobe).
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.
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.
This letter is used for disputing inaccurate information on your credit report with the credit bureaus. You can dispute anything you feel is inaccurate.
This letter is used for disputing outdated information on your credit report.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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.