Don't stress about what to say.
A wrongly worded dispute or collection response can hurt your chances of getting a successful outcome. Each template below is a free download — copy the wording, swap in your details, send it. 7 ready-to-use templates.
Debt Settlement
Use this template to send an initial settlement offer to a debt collector. This will start the debt negotiation process, so you can settle a debt in collections for less than the full amount owed.
Debt Settlement
If you received a settlement offer from a debt collector, this template helps you respond with a counteroffer, so you can get out of debt for a small percentage of what you owe.
Debt Collection
You have to tell a collector to cease all contact related to specific debts. This template will help you stop collection calls and force the collector to either drop the matter or take it up in court.
Credit Report
Generally the best type of dispute letter to send. It lists the mistake from the credit report, supplies evidence to prove your case, and asks to remove the negative item.
Credit Report
References Section 609 of the FCRA and requests that the credit bureau verify an item on your credit report. If the bureau can't verify, it must be removed.
Credit Report
Requests that the credit bureau provide the method of verification they used. Send after a credit bureau responds to a dispute claiming they verified the information.
Credit Report
A "last-ditch" attempt to remove a record. After sending a general dispute, then a 609, then a 611, the 623 letter (referencing FCRA Section 623) contacts the data furnisher directly.
How to use these templates
Click Download on the template you need. Files open in PDF or Word.
Replace the bracketed fields with your details — account numbers, dates, amounts.
Print and mail certified return-receipt, or attach to an email if the recipient accepts digital.
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