Get Your Free Dispute Letters

In Chapter 5 of The Credit Cleanup Book, author Shindy Chen outlines the dispute process to remove negative, inaccurate or outdated information on your credit report.

If you want to start this process, don't attempt to write your letters from scratch.

Instead, use these easy and proven template letters as a guide.

Here's What You'll Get:

  1. Instructions
  2. Credit Dispute Letter (first letter)
  3. Credit Dispute Letter (follow-up)
  4. Credit Dispute Letter (subsequent)
  5. Credit Inquiry Removal Request 
  6. BONUS Creditor Dispute Letter Request
  7. BONUS Collection Agency Stop Contact Request

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Details: 

1. Credit Dispute Letter (first letter): 

This letter is for credit reporting agencies. It is to be used the first time you request inaccurate or adverse information to be removed from your credit report.

2. Credit Dispute Letter (follow up):

This letter is for credit reporting agencies. It is to be used the second time, or thirty days after your first request for inaccurate or adverse information to be removed from your report.

3. Credit Dispute Letter (subsequent):

This letter is for credit reporting agencies. It is to be used for subsequent requests for inaccurate or adverse information to be removed from your report.

4. Credit Inquiry Removal Request:

This letter is for creditors only. Send it when demanding that they update or remove inaccurate and adverse information.

5. BONUS: Creditor Dispute Letter Request:

This letter is for creditors only. Send it when demanding that they update or remove inaccurate and adverse information.

6. BONUS Collection Agency Stop Contact Request:

This letter is for collection agencies. Send it to demand that they cease communications immediately per the Fair Debt Collection Practices Act.

What are you waiting for?

Download, customize and send your letters today. Start working toward a higher credit score today.

 


How to Read a Credit Report

My sample credit report shows you how.

Get a line-by-line description of what's inside a credit report, and what it all means.