6 ready-to-use letters covering the most common credit disputes. Each one cites the exact law, explains what to expect, and includes a one-page usage guide.
Secure checkout via Stripe · Instant access after payment
Dispute inaccurate or unverified accounts directly with all three bureaus. Bureaus must delete anything they cannot verify under FCRA § 611.
Force collectors to prove the debt is real, yours, and within the statute of limitations before you pay a single dollar. Cites FDCPA § 809.
Challenge unauthorized hard inquiries — ones you never applied for. Many lenders pull credit without consent; this letter demands proof of authorization.
Remove a spouse, family member, or anyone else from your account as an authorized user so their history stops affecting your score.
Dispute a collection on your credit report that you believe is inaccurate, duplicative, or already paid. Collection agencies must investigate and remove unverifiable entries under FCRA.
Ask creditors to remove a late payment or derogatory mark as an act of goodwill — especially effective after you have re-established clean payment history.
Formally stop a collector from contacting you — use after resolving a debt or when harassment is ongoing. Cites FDCPA § 805.