This section provides free template correspondence letters that you can use to take action and start cleaning up credit issues.  Please contact us to receive a full copy or hard copy of these letters.  It would be a pleasure to assist our clients and potential clients in reaching their financial goals. We pride ourselves in educating and assisting our clients to financial success.
 

Credit Bureau Contacts
Credit Bureau Addresses
Credit Bureaus change their contact information often.  This list of contacts is current as of January 1, 2006.
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Opt-Out
This template letter is an official request to be removed from marketing lists from the 3 credit bureaus.
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Dispute Letter to the Credit Bureaus
Dispute Activity Log
This template is a log that you can record your interactions with all correspondence with credit companies.
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Dispute Inaccurate Information
This template letter is used to dispute any inaccurate information on your credit report to the credit bureaus.
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30-Day No Response
This letter would be sent to a credit bureau if they ignored your previous requests to dispute inaccurate information.
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Request for Free Report following Denial
If you have been denied credit, the credit bureau is required to provide you with a free copy of your credit report.
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Address Correction
Inconsistent address information can cost you score points. Use this letter to request that the credit bureaus up date your address information.
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Update Balance
Balances make up 30% of your credit score, so it is important to always make sure that your credit reports are showing the correct credit credit card, auto loan and mortgage balances. Use this letter to ask the bureau to update your balance.
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Request to Add Good Credit
Use this letter to request the addition of positive credit information to improve credit scores.
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Letter to Third Parties
ChexSystems Letter
For use when consumer has been denied a checking account.
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Validation Request of Debt (Strong)
This validation of debt letter would be sent to a collection agency or debt collector asking them to send you valid proof of a debt.
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Collection Medical
This letter would be sent to validate a medical collection and to make sure your medical records privacy has been protected
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Statute has Expired
This letter would be sent if you are receiving notices from a collector or attorney for an expired debt.
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Unauthorized Inquiry
Dispute hard inquiry, possible identity theft.
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