Category: Resources

Debt Validation Letter

When a collection agency has contacted you, you have 30 days to request that they validate the debt. Use this sample letter to make them prove it’s your debt. RE: account # (if contacting a collection agency include the original acc. number, i.e., the Mastercard number in this …

Credit Dispute Letter – Advanced Method

Use this letter to dispute negative information on your credit report. This credit dispute method works much better than disputing online. The key to this method is specifically listing out each inaccuracy in detail so each item has to be verified by the agency. Sample Credit Dispute Letter …

Medical Collection Removal Letter

Use this letter for paid medical collections. This letter is specifically designed to leverage HIPAA laws. I recommend you check out the statue of limitation on medical bills as well. If it’s past the statue of limitation you can simply dispute the entry. Sample Medical Collection Removal Letter …

Goodwill / Forgiveness Removal Letter

For older collections and late payments, one of the most successful ways to get an item removed from your credit report is to simply ask the original creditor or collection agency to do so. Note: Goodwill letters are meant to be personal and reflect your individual situation. Sample …

Negotiate A Complete Removal

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. Sample Complete Removal Negotiation Letter Instructions Fill in all fields highlighted with your information If contacting a collection agency, …

Credit Repair Resources

Credit Repair Companies Lexington Law Credit Repair If you’re the type of person who would rather have a professional handle it and just be done with the whole thing, I suggest you check out Lexington Law Credit Repair. They’ll take care of you. Mortgage Loans LendingTree.com The best …

Credit Books I Recommend

I have found the following 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. Credit Scores & Credit Reports Credit Scores & Credit Reports provides the first thorough examination of …

Credit Utilization Calculator

Credit utilization is an important term to understand in terms of how it can affect your credit score. Basically, it means how much of the available credit you currently have charged on a credit card (i.e., balance-to-limit ratio). I generally recommend that you keep your credit utilization under …