Sample letters guides
Free templates for disputes, goodwill requests, debt validation and more.
8 guides
Cease and Desist Letter to a Debt Collector (FDCPA 1692c(c))Free cease and desist letter template for debt collectors. Under FDCPA 1692c(c), contact must stop once they get it, but the debt and lawsuit risk remain.Credit Saint Editorial Team · 6 min readCredit Dispute Letter Template (Free Sample for the Credit Bureaus)Free credit dispute letter template for Equifax, Experian and TransUnion. Bureaus have 30 days to investigate under FCRA 1681i. Fill it in and mail it.Credit Saint Editorial Team · 6 min readDebt Validation Letter Template (FDCPA Section 1692g)Free debt validation letter template. Send it within the 30-day validation period and the collector must pause collection until it verifies the debt (1692g).Credit Saint Editorial Team · 6 min readGoodwill Letter Template for Late PaymentsFree goodwill letter template to ask a creditor to remove a late payment. No law requires them to say yes, and a late can report for 7 years. When it works.Credit Saint Editorial Team · 6 min readHard Inquiry Removal Letter Template (for Unauthorized Inquiries)Free hard inquiry removal letter for inquiries you never authorized. Hard inquiries stay on reports for 2 years, and the bureau has 30 days to investigate.Credit Saint Editorial Team · 6 min readIdentity Theft Credit Dispute Letter (FCRA Section 605B Block)Free identity theft dispute letter for the credit bureaus. With an FTC Identity Theft Report, FCRA 605B requires a block within 4 business days of receipt.Credit Saint Editorial Team · 6 min readMethod of Verification Letter Template (FCRA 1681i(a)(7))Free method of verification letter template. After a dispute comes back verified, FCRA 1681i(a)(7) gives the bureau 15 days to explain how it was checked.Credit Saint Editorial Team · 6 min readPay for Delete Letter TemplateFree pay for delete letter template for collection accounts. It is not guaranteed and many collectors refuse, so get the deal in writing before you pay.Credit Saint Editorial Team · 6 min read
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