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The Credit Repair Correspondence Business/Services Section
Credit Collection Cease Communication Letter
 Being harassed by a collection agency?Have you exhausted all efforts to negotiate and settle with the debt collector and seem to be running up against a brick wall? By law, you do not have to converse with a debt collector, or to bad debt buyers. Use the following letter to demand that the debt collector cease all communication with you. Send this letter to the debt collector by Certified Mail – Return Receipt Requested or by Priority Mail – With Proof of Delivery Verification. For use in all states. |
Expired Statute of Limitations Notice Letter
| All states have a statute of limitations on their debt collection, which in legal terms means the time allowed for a debt collector to legally enforce the collection of that debt. Once it expires, a creditor or debt collector cannot threaten to use the courts to force you to pay the debt through legal actions such as litigation or obtaining a civil judgment, liens, or wage and bank account garnishments. Save yourself and the creditor/debt collector time and money by sending a letter informing them of the expired statute of limitations. The following letter does just that. For use in all states. |
Credit Inquiry Information and Removal Letters
| Obtaining credit reports under false pretenses is a criminal act. The fair credit reporting act (FCRA) prohibits access and use of such information without a “permissible purpose.” If you discover that your credit files have been accessed without a permissible purpose or illegally ran, you can enforce the prohibition through the civil justice system because the FCRA allows you to sue and recover your actual damages, punitive damages if appropriate, plus attorney fees and court costs. This packet contains two letters: (1) a letter demanding a company to explain their purpose for accessing your credit files, and informing the company that if they do not provide a permissible purpose they are liable for $1,000.00 or actual damages (whichever is greater); and (2) a letter to a credit reporting agency demanding them to remove an unauthorized credit inquiry. For use in all states. |
Letter to a Credit Report Agency That Co-Mingled Information
| A common credit reporting problem occurs when the Credit Report Agency (“CRA”) mixes or merges credit information and files of one person into the credit information of another person. The credit reporting industry is now almost entirely automated. Their file searches do not require full identifying information; either to obtain a credit report or to furnish information to the CRA. This can lead to incorrect automated matching decisions. Use the formula in this letter to dispute co-mingled information or for further assistance in ID theft matters. For use in all states. |
Letter to Credit Reporting Agency - Dispute Letters
| A common credit reporting problem occurs when the Credit Report Agency (“CRA”) mixes or merges credit information and files of one person into the credit information of another person. Use this letter to dispute the inaccurate information currently displayed on your credit file. For use in all states. |
Good Will Adjustment to Remove Late Payment
| If you have held an account with a crediotr for more than 18 months, you can ask the creditor to review your file and remove either a 30-day or 60-day late payment. As long as you haven’t requested a “good will adjustment” in the past 12 months, the creditor will usually make a concession. Use this letter to ask for a "good will adjustment." For use in all states. |
Notice of Harassment to Debt Collector/Agency/Attorney/Firm
| If, after having sent a debt collector/collection agency a cease communication letter, they continue to constantly call and harass you, use this letter to limit all future communication from the debt collector/collection agency. This letter informs the debt collector/collection agency of your legal rights, and your intent to contact the proper authorities, should the harassment continue. For use in all states. |
Letter to Settle Past Due Account
| Use this sample form letter to settle a past due account. This letter will work with the original creditor, as well as a debt collector or collection agency. For use in all states. |
Letter to Update Accounts or Debts That Were Discharged in a Bankruptcy
| Many times the Credit Reporting Agencies do not update accounts or debts that were included and discharged in a Bankruptcy case. The accounts or debts may still be reported on your credit profile as “open-unpaid collection account”. This inaccurate information can significantly lower a person’s credit score. Use this dispute letter and send it to the CRA along with a copy of your Schedule of Unsecured Creditors and Discharge of Debt Order from the court. For use in all states. |
Debt Collection Dispute Letter Packet
| If collectors are calling and demanding money for a debt that may not be yours or you cannot remember if it is yours, or the amount of the debt is wrong, according to the FDCPA you have the right to dispute the debt. Use this packet to assert your right, in writing, under Federal and applicable State law. For use in all states. |