This is an example letter that may be used to dispute items that may be improperly listed on your credit report. Simply copy and paste into your word editor. Add in your name and other pertinent information (between the < >) and then send to the credit bureau that has the incorrect information on your credit history report. More forms like this one are in the downloadable manual here: ZeroDebtSite Credit Repair Manual
< Your Name > < Your Address > < Your City, State Zip > < Credit Bureau Name > Today’s Date Dear Sir/Madam: I am writing to dispute the validity of the above referenced item pursuant to the Fair Credit Reporting Act. The Fair Credit Reporting Act requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item.
In the event that you can not verify the item pursuant to the Fair Credit Reporting Act, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the Fair Credit Reporting Act. Because the Fair Credit Reporting Act provides concurrent jurisdiction in federal and state courts, I shall elect to use the to bring appropriate action against you. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the Fair Credit Reporting Act. I look forward to an uneventful resolution of this matter. Sincerely, < Your Signature > |
Former bill collector showing people how to reduce debt and how to handle threatening bill collectors. 
Found your site through bad mortgage scams search. I have enjoyed reading your posts. Looking forward to more. Thanks!
The debt is everywhere. The big companies were bailed out. But now the individual is facing the same credit problems but there is not the money to bail out everyone. The combination of over spending on things we do not need and the credit companies doing all these dirty things combine to create a credit crisis.
great post on how to get credit cards when you are credit poor – I cant wait to find out if your client got a credit card!