REPAIR YOUR OWN CREDIT

Delete The Bad And Keep The Good
Manage and Repair Your Own Credit File

Use the below letter templates to communicate with the credit reporting agencies.1. Get Your FREE Annual Credit Report
2. Review the report, focus on incorrect and/or negative items that you can fix.
3. Hand write your letters using the below DIY LETTER TEMPLATES
4. Second best thing is to use Automated Text To Hand Writing Sites.
5. Print, Sign, Scan signed letter and store in "Credit Repair" Folder on your computer or in a physical folder.
6. Mail letter via certified mail with return receipt requested.
7. Track your letters sent using either a Google sheet or Excel. Download Sample

DIY Letter Templates

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Get FREE Credit Report

• AnnualCreditReport.com

• Official Federal Consumer FTC Website

Request A Credit Report Template

Use this to get a credit report.

{Name}
{Address}
{City}, {State} {Zipcode}
Social Security number: {XXX-XX-XXXX}
Date of birth: {XX/XX/19XX}{Today's Date, 2022}{Credit Bureau Name and Address}
{Keep only one of the below}Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256Experian
P.O. Box 4500
Allen, TX 75013TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016Attention: Customer Relations DepartmentPlease send me a copy of my credit report.
My Social Security number is : {XXX-XX-XXXX}My birth date is : {XX/XX/19XX}My current address is : { Current Address}My former address was : { Old Address}(If appropriate)
I have been denied credit in the last 30 days by : {Company Name}Thanks for your prompt attention to this matter.Sincerely,{Signature} <<< scan
{Your Name}

Request Copy Of Consumer Report Template

Use when ever some one requests a consumer report on you. Useful when denied credit.

{Name}
{Address}
{City}, {State} {Zipcode}
Social Security number: {XXX-XX-XXXX}
Date of birth: {XX/XX/19XX}{Today's Date, 2022}{Company Name and Address Who Requested Consumer Report}Re: Request for a copy of the Investigative Consumer ReportYour organization recently requested an Investigative Consumer Report on me.Please be advised that at this time I would like a complete and accurate disclosure of the source and character of the report generated by you regarding me.Please be further aware that this request is made pursuant to section 606 of the Federal Fair Credit Reporting Act, which mandates a response from you within five (5) days.Thanks for your prompt attention to this matter.Sincerely,{Signature} <<< scan
{Your Name}

Request For Personal Interview Template

Send to each credit bureau to challenge any error in your report.

{Name}
{Address}
{City}, {State} {Zipcode}
Social Security number: {XXX-XX-XXXX}
Date of birth: {XX/XX/19XX}{Today's Date, 2022}{Credit Bureau Name and Address}
{Keep only one of the below}Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256Experian
P.O. Box 4500
Allen, TX 75013TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016Re: Request for personal interviewAt this time, I would like to request a personal interview with your organization. The purpose of this interview will be to review the files you currently have on me and obtain a copy of my credit report. I make this request pursuant to Sections 609 and 610 of the Fair Credit Reporting Act.Please be further advised that a fee for your services is not due because of the following reasons:1. Because I recently received, within the last 30 days, a letter of adverse action.2. Because I recently, within the last 30 days, heard from an affiliate in the collection business.My cell phone is : {xxx-xxx-xxxx}l am available during { indicate time}Please call me to arrange an appointment.Thanks for your prompt attention to this matter.Sincerely,{Signature} <<< scan
{Your Name}

Request For Investigation Template

Send to each credit bureau to challenge any error in your report.

{Name}
{Address}
{City}, {State} {Zipcode}
Social Security number: {XXX-XX-XXXX}
Date of birth: {XX/XX/19XX}{Today's Date, 2022}{Credit Bureau Name and Address}
{Keep only one of the below}Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256Experian
P.O. Box 4500
Allen, TX 75013TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016Re: Request for an investigation
This is a formal request to have the following items on my credit report investigated immediately.Please make the following corrections in order to reflect my true credit file.
These items are inaccurate and therefore harmful to my credit rating.{Pick entry below}
My date of birth is not correct on my credit report. Please list my true date of birth as {XX/XX/19XX}.The following is listed on my credit report as my previous address. It is incorrect.
Please remove the following:The following is listed on my credit report as my previous employment. It is incorrect.
Please remove the following:The following list of inquiries were never authorized. Please investigate and remove the following:The following account on my credit report contains erroneous information.
Please investigate and remove the following:Firm Name ID Code Account NumberPlease send me a copy of your report and an updated copy of my credit report when you have completed your investigation.Thanks for your prompt attention to this matter.Sincerely,{Signature} <<< scan
{Your Name}

Delete Information Template

Send to each credit bureau which did not respond to your letter requesting investigation after 30 days.

{Name}
{Address}
{City}, {State} {Zipcode}
Social Security number: {XXX-XX-XXXX}
Date of birth: {XX/XX/19XX}{Today's Date, 2022}{Credit Bureau Name and Address}
{Keep only one of the below}Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256Experian
P.O. Box 4500
Allen, TX 75013TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016Re:Delete erroneous informationOn (date), you received a handwritten letter from me requesting an investigation into erroneous information you have on my credit report. As of today's date, I have not received a response from you.Since a reasonable time has passed, I make the following request that the information, which has not been verified, be removed/deleted from my credit file. Please send a copy of my updated report.Thanks for your prompt attention to this matter.Sincerely,{Signature} <<< scan
{Your Name}

Dispute Template

Send to each credit bureau which did respond to your letter requesting investigation within 30 days but did not delete the information.

{Name}
{Address}
{City}, {State} {Zipcode}
Social Security number: {XXX-XX-XXXX}
Date of birth: {XX/XX/19XX}{Today's Date, 2022}{Credit Bureau Name and Address}
{Keep only one of the below}Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256Experian
P.O. Box 4500
Allen, TX 75013TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016Re: Section 611 of the Federal Fair Credit Reporting Act Notice of Accuracy DisputeAt this time the undersigned hereby disputes the completeness and accuracy of the following information as it currently appears in my file:Name Of Creditor : {xxxxxx}
Account Number : {xxxxxxx}Pertaining to {xxxxxxx} amount professedly in arrears.1. I do not owe on this account and dispute the charges.
2. These charges were not incurred by me.
3. Other (describe):
At this time, I would request that you reinvestigate the information and if found inaccurate or no longer verifiable, please delete the information from my report promptly.Thanks for your prompt attention to this matter.Sincerely,{Signature} <<< scan
{Your Name}

Re-Investigation Template

Send to each credit bureau which did respond to your letter requesting investigation within 30 days but did not delete the information.

{Name}
{Address}
{City}, {State} {Zipcode}
Social Security number: {XXX-XX-XXXX}
Date of birth: {XX/XX/19XX}{Today's Date, 2022}{Credit Bureau Name and Address}
{Keep only one of the below}Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256Experian
P.O. Box 4500
Allen, TX 75013TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016Re: Reinvestigate erroneous informationThe following items are currently reflected on my credit report since your previous investigation. These items are erroneous and harmful to my credit standing.Please reinvestigate the following and send to me the names and addresses of the individuals that have verified the information.This request is made in accordance with the Fair Credit Reporting Act, Section 609, Subsection A.The following accounts, on my credit report contain erroneous information. Please investigate and remove the following:
Firm ID Code Account Number
{xxx} {xxxxxx} {xxxxxxx}The following records on my credit report are erroneous.Please investigate and remove the following:Type of Record Description
{xxxxxxxxxxx} {xxxxxxxx}Please send me a copy of your report and an updated copy of my credit report when you have completed your investigation.Thanks for your prompt attention to this matter.Sincerely,{Signature} <<< scan
{Your Name}

REQUEST TO INCLUDE OWN CONSUMER STATEMENT TEMPLATE

Send to each credit bureau which will not delete information but gives you an opportunity to add your information to explain or mitigate a credit issue.

{Name}
{Address}
{City}, {State} {Zipcode}
Social Security number: {XXX-XX-XXXX}
Date of birth: {XX/XX/19XX}{Today's Date, 2022}{Credit Bureau Name and Address}
{Keep only one of the below}Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256Experian
P.O. Box 4500
Allen, TX 75013TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016Re: Consumer StatementReference is made to the following information currently maintained in your files concerning the undersigned:Creditor Name : __________________
Account Reference : _______________Amount shown as owed : __________________Please be advised that the undersigned strongly disputes the truth of such information and adds the following consumer statement :Consumer Statement :
{ maximum of 100 words, statement explaining }Please be further advised that pursuant to Section 611(b) of the Federal Fair Credit Reporting Act, the undersigned requests that you update your records to provide a copy of such consumer statement contained in this document or a clear and accurate codification or summary thereof.Thanks for your prompt attention to this matter.Sincerely,{Signature} <<< scan
{Your Name}

REQUEST FOR INFORMATION DISCLOSURE TEMPLATE

Send to each credit bureau when you need to find out what information they got from source outside of a credit agency.

{Name}
{Address}
{City}, {State} {Zipcode}
Social Security number: {XXX-XX-XXXX}
Date of birth: {XX/XX/19XX}{Today's Date, 2022}{Credit Bureau Name and Address}
{Keep only one of the below}Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256Experian
P.O. Box 4500
Allen, TX 75013TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016Re: Section 615 (b) Reasons for adverse actionPursuant to Section 615 (b) of the Federal Fair Credit Reporting Act, please disclose the nature of the information disclosed to you by persons other than Consumer Reporting Agencies concerning the undersigned.
This information should be a full disclosure of the same to allow the undersigned to challenge or dispute its accuracy.This information should be received within a reasonable amount of time, as required by the referenced section.Thanks for your prompt attention to this matter.Sincerely,{Signature} <<< scan
{Your Name}

NOTIFICATION TO CREDITOR SENDING ERRONEOUS INFO TEMPLATE

Send to each creditor that is sending erroneous information.

{Name}
{Address}
{City}, {State} {Zipcode}{Today's Date, 2022}{Creditors Name and Address}Attention: {individual name disclosed to you from credit reporting agency}Re: {insert name of credit reporting agency involved}Dear {individual name}:This is formal notification that you are sending erroneous information to the above credit reporting agency.
This information is highly injurious to my credit rating.The credit reporting agency is currently investigating this information and will be in contact with you.I would appreciate it, if you would correctly verify my current status or not verify it at all.Thanks for your prompt attention to this matter.Sincerely,{Signature} <<< scan{Your Name}

REQUEST FOR DELETION OF OBSOLETE INFORMATION TEMPLATE

Send to each credit bureau when you need to delete obsolete information.

{Name}
{Address}
{City}, {State} {Zipcode}
Social Security number: {XXX-XX-XXXX}
Date of birth: {XX/XX/19XX}{Today's Date, 2022}{Credit Bureau Name and Address}
{Keep only one of the below}Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256Experian
P.O. Box 4500
Allen, TX 75013TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016Re: Obsolete informationI am writing this letter to reference your obligation under Section 605 and 607 of the Federal Fair Credit Reporting Act to delete obsolete information from the consumer credit report of the undersigned.Please be advised that the information circled on the attached copy of my credit report is obsolete and should be deleted from your credit files relating to the undersigned.Please delete this information immediately and send me an updated copy of my report.Thanks for your prompt attention to this matter.Sincerely,{Signature} <<< scan
{Your Name}

REQUEST UPDATED CREDIT REPORTS BE SENT TO INQUIRERS TEMPLATE

Send to each credit bureau when you need to force them to update inquirers about either deletion or adding personal statement disputing claim.

{Name}
{Address}
{City}, {State} {Zipcode}
Social Security number: {XXX-XX-XXXX}
Date of birth: {XX/XX/19XX}{Today's Date, 2022}{Credit Bureau Name and Address}
{Keep only one of the below}Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256Experian
P.O. Box 4500
Allen, TX 75013TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016Re: Notification to update inquirersWith reference to Section 611(d) (a) (b) of the Federal Fair Credit Reporting Act, I take this opportunity to request that you note all persons who received disputed and/or deleted information from you within the last two (2) years with reference to employment or six (6) months with reference to a consumer file, that information has been subsequently deleted or that a personal statement has been added disputing the claim.
This request is made within 30 days after receipt of an adverse credit determination.Thanks for your prompt attention to this matter.Sincerely,{Signature} <<< scan
{Your Name}

FILE A FTC COMPLAINT OF A CREDIT AGENCY TEMPLATE

Send a complaint to the FTC (Federal Trade Commission) about a credit reporting agency. Stick to the facts only, no emotional appeals or outbursts.

{Name}
{Address}
{City}, {State} {Zipcode}{Today's Date, 2022}Federal Trade Commission
Correspondence Branch
Fair Credit Reporting Act
Washington, DC 20580The undersigned understands that you regulate consumer reporting agencies pursuant to the Fair Credit Reporting Act and wishes to lodge a complaint against the following agency.Name of Credit Bureau : {xxxxxx}
Address of Credit Bureau : {xxxxxx}This credit bureau has refused to comply with its obligation under the Fair Credit Reporting Act.
The substance of the complaint is as follows:{provide the details}Your organization is hereby notified so that you may be aware of and able to act upon a matter of abuse of the Fair Credit Reporting Act.The undersigned would be happy to furnish any and full particulars to you if you need further information for enforcement proceedings.Thanks for your prompt attention to this matter.Sincerely,{Signature} <<< scan
{Your Name}

FILE A BBB COMPLAINT OF A CREDIT AGENCY TEMPLATE

Send a complaint to the BBB (Better Business Bureau) about a credit reporting agency. Stick to the facts only, no emotional appeals or outbursts.

{Name}
{Address}
{City}, {State} {Zipcode}{Today's Date, 2022}{Local Better Business Bureau Address}The undersigned hereby lodges a complaint against the below Credit Reporting Agency :Name of Credit Bureau : {xxxxxx}
Address of Credit Bureau : {xxxxxx}This credit bureau has refused to comply with its obligation under the Fair Credit Reporting Act.
The substance of the complaint is as follows:{provide the details}Your organization is hereby notified so that (a) you may be aware of a pattern of abuse and (b) you make take action to help consumers.The undersigned would be happy to furnish any and full particulars to you if you need further information.Thanks for your prompt attention to this matter.Sincerely,{Signature} <<< scan
{Your Name}

REQUEST FOR SEPARATE FILES FOR HUSBAND AND WIFE TEMPLATE

Send in case of a divorce or when one spouse has a very poor credit history and the other does not.

{Name}
{Address}
{City}, {State} {Zipcode}{Today's Date, 2022}{Credit Bureau Name and Address}
{Keep only one of the below}Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256Experian
P.O. Box 4500
Allen, TX 75013TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016Reference is made to those provisions of the Equal Opportunity Credit Act which allow credit information to be maintained in separate files of each of a husband and wife.Please be advised that the undersigned hereby request that credit information on the account of the undersigned be maintained by you in separate files under each name.Please be further advised that we request this information be made available to all credit
reporting agencies.Thanks for your prompt attention to this matter.Sincerely,{Husband's Signature} <<< scan
{Your Name}Husband's Social Security Number : {XXX-XX-XXXX}{Wife's Signature} <<< scan
{Your Name}Wife's Social Security Number : {XXX-XX-XXXX}

REQUEST TO ADD DATA TO CONSUMER REPORT TEMPLATE

Send this in when you want to add positive information to your report.

{Name}
{Address}
{City}, {State} {Zipcode}
Social Security number: {XXX-XX-XXXX}
Date of birth: {XX/XX/19XX}{Today's Date, 2022}{Credit Bureau Name and Address}
{Keep only one of the below}Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256Experian
P.O. Box 4500
Allen, TX 75013TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016Re: Request to Add Data to Consumer Report
Pursuant to the Fair Credit Reporting Act, you are hereby requested to add the following data to the consumer credit report of the undersigned:{insert your own positive details}Please advise as to the amount, if any, of your fee for verifying and including this data on all new consumer reports issued by you.Thanks for your prompt attention to this matter.Sincerely,{Signature} <<< scan
{Your Name}

SAMPLE SETTLEMENT AGREEMENT TEMPLATE

Use this agreement once you have negotiated the best deal with your creditor.

SETTLEMENT AGREEMENT made this day of __________20 _____ between debtor known as ____________________ residing at ____________________ and creditor known as __________ having an office at __________.WHEREAS, Debtor and Creditor have previously entered into a certain commercial transaction, and
WHEREAS, certain circumstances had subsequently developed causing both Debtor and Creditor to desire
to enter into this agreement.NOW THEREFORE based upon the mutual promises contained herein IT IS AGREED:1. Debtor agrees to pay and creditor agrees to accept $__________ as full payment for all amounts owed by Debtor to Creditor.2. Debtor shall be permitted to pay the aforesaid sum by monthly payment without interest at the rate of $__________ per month. All of the monthly payments are to be made by mail or otherwise at the office of the Creditor set forth above prior to the __________day of each month, commencing the __________day of __________20_____.3. In the event of a default by Debtor in making any of the above stated payments, the Creditor shall have
the right upon ten (10) days written notice to Debtor, to declare the unpaid installments due hereunder
immediately due and payable.4. Creditor agrees to notify each credit bureau with which creditor deals that adverse information regarding Debtor's account is no longer verifiable and should be deleted from Debtor's consumer report.IN WITNESS WHEREOF, the Debtor and Creditor have signed this agreement as of the date set forth above.Debtor Name __________
Debtor Signature __________Creditor Name __________
Creditor Signature __________

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Credit Bureau Addresses

Equifax

Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256

Experian

Experian
P.O. Box 4500
Allen, TX 75013

Trans Union

TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016

Quotes

"Earning a lot of money is not the key to prosperity. How you handle it is." Dave Ramsey