Credit Repair Sample Letters

Moe Bedard

Call 619-379-8999
Staff member
Loan Safe Mortgage
When you are disputing items on your credit report, you will need to write a series of letters to each credit reporting agency that you wish to dispute. This is the same tactic that "pay for" credit repair services use when they attempt to clean up their clients reports.

You can do this yourself.

What you are doing is asking them to verify these accounts by proving they have this information.

This is from the FTC:

Consumer reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file.

When the investigation is complete, the consumer reporting company must give you the results in writing and a free copy of your report if the dispute results in a change. This free report does not count as your annual free report. If an item is changed or deleted, the consumer reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete.
The consumer reporting company also must send you written notice that includes the name, address, and phone number of the information provider.

Dear Credit Bureau,

This letter is to inform you of issues regarding my credit and your reporting methods that are negatively affecting me at this time.

I was informed after applying for a loan that my credit scores were too low and was denied the loan because of these credit issues. After requesting the credit reports and reviewing them extensively, I had noticed several errors.

These errors I feel are due to mistakes by your bureau and I and requesting that these these errors be corrected as soon as possible.

There are several addresses that I do not recognize:

The following public records I have no knowledge of:

The following accounts are not mine:

I am requesting that these these accounts are verified by your firm. Please forward me all applicable information in regards to these accounts.

Including but not limited to:

  • The name and current address of the party
  • Account number
  • Method of verification
  • Reported 1st delinquency
I appreciate your time in responding to this matter.



Moe Bedard

Call 619-379-8999
Staff member
Loan Safe Mortgage
Credit Repair Sample Letter #2

Dear Credit Bureau,

There seems to be an error on my credit report that I need to have corrected. Can your agency please provide proof that the account (s) listed below truly belong on my credit report. The reporting of these erroneous accounts are affecting my ability to obtain credit and as well as my life. Please remove this reporting error as soon as possible

Account Name and or Account#


Moe Bedard

Call 619-379-8999
Staff member
Loan Safe Mortgage
Credit Repair Sample Letter #3 From the FTC


Your Name
Your Address, City, State, Zip Code
Complaint Department
Name of Company
City, State, Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.

This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be removed (or request another specific change) to correct the information.

Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.


Your name

Enclosures: (List what you are enclosing.)


thanks for attaching these templates. but the letter i received few days back.. that doesnt address me by my name but my account number.. is that fake?


LoanSafe Member
Is anyone having luck with a DIY credit repair?

I'm afraid that by bombarding the three credit reporting agencies with disputes that I will be "red flagged" or something and that it would hamper my efforts. Is this fear misplaced?

For the last few weeks I've been trying "Goodwill Letters" sent directly to my negative reporting creditors asking for forgiveness and to delete negative marks they've reported to the credit agencies. So far no luck, but I just started this.


LoanSafe Member
I have to say that the above letter are great for a STARTING point, but I would caution anyone who uses a form letter. When the credit bureau starts getting hundreds of letters that are exactly word for word; then there is the possibility of the disputes being classified as frivolous. Also, I would advise against using 'not mine' as a reason to dispute a negative account.

Try to find a specific reason to dispute such as: opening date, closing date, incorrect balance, unrecognized creditor...


LoanSafe Member
Yes correct more than often in most of the situations, if we are aware, then we can take steps ourselves to get our credit score repaired. thread starter has very correctly said that credit repair companies adopt the same approach ie sending a series of credit dispute letters.
Credit repair companies have sophisticated softwares which on entering couple of financial data about their client, automatically generates credit dispute letters. many of these softwares are available and that too at a cheap rates and few, i have heard, are free also.