Debt VALIDATION letter
First letter that should be sent to each Collection Agency asking them to Validate- not verify- each Collection Debt that was placed on your report. If they can’t Validate the debt within 30 days, they must remove it.
Personal Information Letter
Letter sent to each Credit Bureau to update personal information. Delete incorrect addresses, phone number, correct misspellings, etc. You can also call each Bureau and have this done or go online and dispute your personal information.
609 Letter (Credit Dispute Letters)
Dispute Charge Offs, Closed Accounts, Derogatory Marks, Child Support, Dispute Errors, Inaccuracies, Public Records such as Evictions, Car Repos, Bankruptcies, Tax Liens, Etc. Sent to Credit Bureau
Hippa Letters (Hippa Debt Validation Sent First)
Dispute Medical Bills. Sent to Collection Agency
Multiple Inquiry Letter
Dispute Hard Inquiries. Goes to Credit Bureau or Collection agency. You can also call each Credit Bureau and ask for removal of inquiries/ may or may not work. The point is to get them removed by somebody
Remove Late Payments. Send to Collection Agencies. You can also email CEO of company and ask for Late payment removal- may or May not work.
Used to settle an account without paying in full- may or may not work. Goes to Collection Agency.
All letters should be sent Certified and handwritten in Blue Ink. Why? Paper trail in case you have to file a complaint with Better Business Bureau or CFPB or sue. No paper trail, no proof.
Student loan removal? Public record removal (eviction, bankruptcy, etc.)? Telecheck? Chex system? Early warning system? All these letters are on the website for purchase. Read website and handbook for more information. Also, Search the Facebook group. Read! Read! Read! This is a Do It Yourself group so you must put in some work to actually repair your credit yourself.