Templates
Free dispute letters and consumer-rights forms.
Each letter includes when to use it, steps, web copy, and a branded PDF download.
Credit Report Dispute Letter
Dispute inaccurate, outdated, incomplete, or unverifiable information directly with a credit bureau.
Debt Validation Letter
Ask a collection agency to prove the debt, amount, original creditor, and its authority to collect.
Goodwill Adjustment Letter
Ask a creditor to remove a one-time late payment as a courtesy after the account is current.
Pay-for-Delete Offer Letter
Offer payment to a collection agency in exchange for written deletion of the collection tradeline.
Method of Verification Request
Ask a bureau how it verified an item after your dispute came back as verified.
Identity Theft Credit Report Dispute
Request blocking/removal of fraudulent accounts or inquiries caused by identity theft.
Debt Collector Cease and Desist Letter
Tell a debt collector to stop contacting you about a debt.
Section 609 Information Request
Request disclosure of information in your credit file and the sources behind selected accounts.