Sample Negotiation Letters
I have created the following sample letters for you to use as a guide when contacting creditors or collection agencies. Use these as templates and make sure to customize them to fit your situation.
Sample ‘remove from credit report’ letter
Use this letter in attempting to negotiate a complete removal or PAID AS AGREED on a debt that states CHARGE OFF or SERIOUSLY PAST DUE on your credit report. Read my in-depth article on how to negotiate with creditors here.
Use this letter as a last case scenario to remove a negative record from your credit report. The purpose of this letter is to project yourself as a lawsuit-happy nutcase.
For older collections and late payments, one of the most successful ways to get an item removed from your credit report is to simply, and kindly ask the original creditor or collection agency to do so. Note: Goodwill letters are meant to be personal and reflect your individual situation.
Therefore, this is only an example to give you some ideas.
Sample Medical Collection Letter
Use this letter for paid medical collections. This letter is specifically designed to leverage HIPAA laws.