Service 1 · Letter form templates
Pick the template that fits your situation. Each one cites a specific FCRA / FDCPA section and ships as a fillable PDF + plain text. Or grab the full bundle below for $24.99 (lifetime access).
Every template in the catalog (and every one we add later). Pays for itself if you have multiple disputes — late payments, collections, charge-offs each use different letters.
$24.99one-time
Adding the bundle clears any individual forms in your cart — it already includes them.
Step-by-step guide for pulling your free reports from annualcreditreport.com.
Federally-mandated free reports; this is the printable cheat sheet covering questions you'll be asked, what to download, and how to save the PDFs for upload.
Best for: Anyone starting their first dispute round.
First-round dispute against an inaccurate item on your report.
Tells Experian, Equifax, or TransUnion that a specific tradeline is inaccurate and asks them to investigate under FCRA §611. Ready-to-fill: account number, creditor, dispute reason.
Best for: Late-payment markers, account-status errors, balance mismatches.
Forces the bureau to disclose how they 'verified' a disputed item.
When a bureau claims to have verified a disputed tradeline, this requests the specific procedure they used per FCRA §611(a)(7) — name, business address, telephone of every party contacted.
Best for: Items the bureau came back as 'verified' without removing.
Asks the bureau for the underlying source documentation on a tradeline.
Per FCRA §609, you can request all information in your file — including the source of items. If the bureau can't produce documentation, the item must come off.
Best for: Any negative item where you suspect documentation is thin.
Forces a collector to prove the debt is yours before they can keep collecting.
Demands the collector validate the debt under FDCPA §809(b) within 30 days. If they can't substantiate, they must stop collection activity and remove the tradeline.
Best for: Any collection account, especially old or re-sold debts.
Offers payment in exchange for the collector deleting the tradeline.
Conditional settlement offer: collector gets paid only if they agree in writing to delete the entry from all three bureaus. Includes the language to require written agreement first.
Best for: Older collections you're willing to pay to remove.
Demands a collector stop contacting you under FDCPA §805(c).
Ends phone calls, letters, and other contact from a collector. Note: doesn't extinguish the debt — strategic use only after you've validated.
Best for: Harassment from collectors after you've sent debt validation.
Asks an original creditor to remove a paid late-payment marker as a courtesy.
Polite, non-confrontational appeal to a creditor (where you have a positive payment history otherwise) to delete a late marker once the balance is current.
Best for: Isolated 30/60-day late on an otherwise clean tradeline.
Disputes when a furnisher resets the date-of-first-delinquency to extend reporting.
Calls out that the FCRA's 7-year clock starts at original delinquency, not at re-aging. Forces the furnisher to substantiate the reported date.
Best for: Old debts that mysteriously got 'fresh' dates of first delinquency.
Disputes directly with the furnisher (not just the bureau) under FCRA §623.
Notifies the original creditor that they're reporting inaccurate information; once notified, §623 obligates them to investigate and update the bureaus.
Best for: Tradelines where the bureau won't budge but the furnisher's records are wrong.
Disputes a bankruptcy listing the bureau pulled from court records without verification.
Argues that the bureau cannot verify a bankruptcy by simply re-checking PACER — they must independently verify per FCRA standards. Often results in deletion if the court hasn't responded to their LexisNexis pull.
Best for: Discharged Chapter 7/13 still showing on report.
Cover letter accompanying an FTC identity-theft affidavit to a bureau.
Frames the FTC Identity Theft Report (Form 14039 / IdentityTheft.gov affidavit) when you submit it to bureaus to block fraudulent tradelines per FCRA §605B.
Best for: Tradelines opened without your authorization.
If you have multiple disputes across all three bureaus, the subscription does the identification, generation, and tracking for you.