Credit Dispute Letter Templates
A complete library of 16 proven dispute and credit letter templates — covering bureau disputes, escalations, collectors, settlements, and identity theft. Written in plain English and ready to personalize.
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Bureau Disputes
General Bureau Dispute
Use when an item on your report is factually wrong (wrong balance, wrong status, wrong dates, duplicate).
Obsolete Info Dispute
Use when a negative item is too old to report — most negatives generally fall off after seven years; many bankruptcies after up to ten.
Not My Account
Use when an account is not yours, or your file appears mixed with someone of a similar name or SSN.
Unauthorized Inquiry
Use when a hard inquiry appears that you did not authorize.
Escalation
Method of Verification
Use after a bureau responds that a disputed item was "verified" but you believe it is still wrong.
Reinvestigation Escalation
Use when an item was returned "verified" but remains inaccurate and you now have stronger documentation.
Creditor & Collector
Direct Furnisher Dispute
Send to the company that is reporting the data (bank, lender, card issuer, or collector) — not the bureau.
Debt Validation
Send to a third-party collector — ideally within 30 days of their first written contact.
Cease Communication
Uses your FDCPA §805(c) right to tell a third-party collector to stop contacting you.
Goodwill Adjustment
Use for an ACCURATE late payment on an account you have otherwise paid well — this is a courtesy request, not a dispute.
Settlement
Settlement Offer
Use to offer less than the full balance to resolve a debt you do owe.
Pay for Delete
You may ASK a collector to delete a tradeline in exchange for payment — but no one can guarantee deletion of accurate information.
Identity Theft
Identity Theft Cover
Use to dispute accounts, inquiries, or information that resulted from identity theft.
Fraud Alert Request
Places a fraud alert so creditors take extra steps to verify identity before opening new credit.
Security Freeze
A freeze restricts access to your credit file, making it harder for someone to open new accounts in your name. It is free.
605B Block Request
Use to formally require a bureau to block information that resulted from identity theft.
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