Free universal credit dispute form

 For people who have errors or unfamiliar items on their credit report. Find hard to find creditors and accounts fast. Negotiate and validate any unfamiliar debts. Follow up on credit agreements from negotiations.

 Debt validation letter for second and third party collections---

Legally validate collection agencies claims. Many times a charge off can not be legally  validated because the debt tax was deducted as lost on income by the original creditor. 

 Validation Follow up Letter

Use this letter to follow up on a collection agencies improper or incomplete response to the Debt Validation letter above. Agencies are required by law to have the legal documentation to collect or they must cease all collection efforts by law.

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 Customize your own negotiation letter

 Negotiate with creditors letter
 
Individualized each letter to meet each creditors or collections agencies situation. Remember it is best to negotiate with original creditors before collection agencies. Original creditors have the authority to get credit removed or updated all the way down to the collection agency they assigned to my bad credit account.

Settle for Less Negotiation Letter     Letter of agreement to accept less

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 Use this letter to put a freeze for fraud lost or stolen

 Free universal credit fraud theft alert or hold

Letter is used to put an alert and a credit report that has strange things showing up that are not mine. If you think someone might have your personal information, if you are going through a separation and want to make sure no new credit is opened without your permission, or is you have been the victim of any type of credit fraud, then use this letter.

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Use these letters to open new good credit
Open new good revolving credit

Designed to establish new good credit to overlap old bad credit. Remember anyone who wants a better credit rating "HAS TO HAVE" at least 3 open and rated (at least 1 year open and reported to a bureau) accounts to have a good credit score. I might have paid ALL of my debts, loans, credit cards and bills but if I am not actively using new good credit my score will be completely gone in 2 years.
 Direct credit reference letter

Some lenders may ask for a direct credit reference on unreported loans credit and  rent. Use this free form and change wording to suit your situation. Pay for delete letter

 File a complaint with the FTC here   
 File a complaint with your state attorney general.
 Do this if my debt has been sold and validation letters are getting a bunch of mumbo jumbo but no real documented evidence with my signature
Get my free credit report without a credit card letter Use this letter to get your free credit report by mail

Remove an inquiry or inquiries from my credit report.

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Reduce or Make an agreement on settlement of a bad debt letter

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Cease and desist reporting an outdated debt

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Delete or remove a debt that a creditor has not validated or verified

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Sue a credit bureau for continuing to inaccurately report credit on on credit file

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Motion to vacate a Judgment on my credit file

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Warning of decision to file suit against a collection agency for inaccurate reporting or unethical collection practices

To raise credit scores you must have 3 - 6 major credit acounts reported to bureaus. Cell phones, electricity, gas or any paid off collections do not count. Improve bad credit with good credit cards here
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