Credit Repair Sample Letters
Much of the credit repair process is sending letters to creditors, collection agencies, and credit reporting agencies. For those who don’t feel they have the knowledge required to draft their own letters, the credit repair letter samples below should simplify the process. Be sure to follow the instructions listed with each sample. We encourage you to make changes, as necessary, to make each letter better fit your situation. Also, if you’ve got a letter that has worked for you in the past, we’d love to offer it to our visitors! Send us an e-mail, and we’ll check it out.
Sample Not Mine Credit Repair Letter
This letter is a great tool to use when you find an item on your credit report that legitimately is not yours. Remember, you don’t want to lie to a creditor, collection agency, or credit reporting agency, especially on paper, so only use this one if it actually applies to your situation!
Sample Pay For Delete Credit Repair Letter
Sometimes, it is possible to simply pay off a debt, and have it removed from your credit file completely. This letter is a great starting point for those looking to pay to get rid of baddies.
Sample Goodwill Adjustment Credit Repair Letter
For situations where you have maintained a relationship with a creditor, and have had no issues with late payments or high balances since an incident in the past, this letter may be enough to have old, negative information removed from your account’s tradeline.