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Sample Letters to Creditors
A Conversation With Credit Saint CEO, Ross...
Sample Debt Validation Letter
How To Write A Credit Dispute Letter ̵...
Sample Medical Collection Letter
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Credit Utilization Calculator
Calculating your credit utilization ratio can tell your credit health. New creditors pay attention to this value which measures how much of your available credit you’re currently using. For example, if you’re using 50 pe...
Sample Letters to Creditors
Repairing your credit could mean writing a lot of letters to creditors and the three credit bureaus — dispute letters, debt validation letters, goodwill letters. And so on. To make writing your letters easier, you can use the ...
A Conversation With Credit Saint CEO, Ross LaPietra
This post will provide you with a personal interview with Credit Saint CEO, Ross LaPietra. Your credit score may determine whether you can take out a loan, buy insurance, rent an apartment, or even land a job. If your credit score t...
Sample Debt Validation Letter
When a debt collection agency contacts you about a past-due balance, the debt may not actually be yours. Federal law gives you 30 days to request the collection agency to validate your debt. This is legal speak for proving you reall...
How To Write A Credit Dispute Letter – Advanced Method
A credit dispute letter allows you to mail in a form to the credit bureaus to show proof of inaccuracies on your credit report, which you can have removed. The Fair Credit Reporting Act of 1970 requires credit bureaus to correct err...
Sample Medical Collection Letter
If you or your insurance company has paid a medical bill but it still appears in your credit history, it’s time to write a medical collection letter to the credit bureaus to find out why. You can use my sample letter, below, a...
Goodwill Letter Template
Need to reboot your credit score? Sometimes all you have to do is ask. When older collection accounts or late payments are pulling down your credit score, you should consider asking your creditors for a goodwill adjustment. You can ...
How to Write a Bankruptcy Explanation Letter
More than three-quarters of a million people file for bankruptcy each year in the US. And since bankruptcy can stay on your credit report for up to 10 years, that means there are at least 7.5 million people showing one each time the...
Credit Repair Resources
In your journey to repair your credit, here are some quick links to some great credit repair resources you will want to bookmark to save for a later date if you need them: Credit Repair Resources to Bookmark Credit Repair Companies ...
Credit Books I Recommend
I have found the following credit books to be particularly helpful for providing an honest and clear insight into how credit scores work and the best ways to go about repairing my credit. My 3 Favorite Credit Books Credit Help Book ...