Downloadable Form Packet

 A Cease and Desist is a letter sent to an individual or business that is engaging in unwelcome or illegal behavior... This Cease and Desist letter should be used by someone who is being harassed by a coworker, neighbor, or other individual or business. 

  A charge off account letter to negotiate a possible repayment contingent on the removal of the charge-off from your credit report. This letter may vary, depending on many factors of the said charge-off account such as how old the debt is, the original creditor or if the charge-off account is in collections.

 A debt collection letter outlines the debt you're being asked to pay. If you don't think the debt is yours, you can challenge it with a verification letter. ... Debt collectors are legally required to send you a debt validation letter, which outlines what the debt is, how much you owe and other information. 

  An incorrect payment history letter telling the credit bureau what information you believe is inaccurate. Credit bureaus must investigate the item(s) in question-usually within 30 days-unless they consider your dispute frivolous. Include copies (NOT originals) of documents that support your position. Sometimes the reporting business may request and extension of 15 days which means the investigation may take up to 45 days.

 A credit inquiry is a request by an institution for credit report information from a credit reporting agency. Credit inquiries can be from all types of entities for various reasons. They are classified as either a hard inquiry or a soft inquiry. 

 A pay for delete letter is a written agreement between you and the debt collector agreeing to remove the account once it is paid. Pay for Delete letters are rarely used by collection agencies today because it is a practice that could get them into trouble with the credit bureaus. 

 A method of verification letter is essentially asking the credit bureaus for documentation that provides clear evidence that supports their first opinion of not removing the item listed on your report that you initially tried disputing. This is because credit reporting agencies typically don’t do much “investigating” at all. They often rely on an automated third-party system called e-Oscar. 

 A credit dispute letter is a document you can send to the credit bureaus to point out inaccuracies on your credit reports and to request the removal of the errors. In the letter, you can explain why you believe the items are inaccurate and provide any supporting documents. 

An Address, Name, Phone Number Incorrect or Removal letteris a document you can send to the credit bureaus to point out inaccuracies or errors on your credit reports and to request the removal of those errors. You may also use this letter to remove past employers.