Closed Account Reporting Error Letter
Closed Account Reporting Error Letter — Correct Accounts Showing Open After Being Closed Ensure Accurate Reporting and Protect Your Middle Credit Score®. If you’ve closed a credit card, loan, or line of credit, but it still appears as “open” on your credit report, that’s a reporting error that can confuse lenders and hurt your score.A […]
Charged-Off Account Inaccuracy Letter
Charged-Off Account Inaccuracy Letter — Correct or Dispute Inaccurate Charge-Off Reporting Repair Reporting Errors and Protect Your Middle Credit Score®. A “charge-off” is one of the most damaging entries that can appear on your credit report—especially when it’s reported inaccurately.A Charged-Off Account Inaccuracy Letter allows you to challenge incorrect details such as wrong balances, payment […]
Student Loan Dispute Letter
Student Loan Dispute Letter — Correct Forbearance, Deferment, or Payment Errors Ensure Your Student Loan Is Reported Accurately and Protect Your Middle Credit Score®. Student loans are among the most complex credit accounts on your report—especially when errors occur during deferment, forbearance, or repayment transitions.A Student Loan Dispute Letter helps you correct inaccurate information related […]
Paid Account Still Showing as Unpaid Letter
Paid Account Still Showing as Unpaid Letter — Correct Your Credit Report and Update Paid Status Make Sure Your Credit Reflects the Truth. Protect Your Middle Credit Score®. If you’ve fully paid off an account—whether a loan, credit card, or collection—but it’s still being reported as unpaid, that’s a major reporting error that can harm […]
Collection Agency Reporting Error Letter
Collection Agency Reporting Error Letter — Dispute Duplicate or Inaccurate Collections Stop Double Reporting and Protect Your Middle Credit Score®. If the same debt is showing up multiple times on your credit report—often under different collection agencies—it’s a clear reporting violation.A Collection Agency Reporting Error Letter helps you dispute duplicate or inaccurate collection entries and […]
Re-Aging Request Letter
Re-Aging Request Letter — Update Delinquent Accounts After Consistent On-Time Payments Rebuild Your Credit History and Strengthen Your Middle Credit Score®. If you’ve experienced financial hardship in the past but have since made consistent on-time payments, a Re-Aging Request Letter can help you request a fresh start with your creditor.Re-aging allows a creditor to update […]
Medical Debt Dispute Letter — Remove Medical Collections and Correct HIPAA Violations
Medical Debt Dispute Letter — Remove Medical Collections and Correct HIPAA Violations Protect Your Privacy and Your Middle Credit Score®. Medical debts are unique because they involve both financial and privacy rights. If a medical collection appears on your credit report that you don’t recognize—or that may violate your privacy under HIPAA (Health Insurance Portability […]
Account Deletion Confirmation Letter
Account Deletion Confirmation Letter — Verify Removed or Corrected Accounts on Your Credit Report Confirm Every Correction and Protect Your Middle Credit Score®. When a credit bureau or creditor deletes or updates a negative item from your credit report, it’s important to get written confirmation to ensure the change is permanent.The Account Deletion Confirmation Letter […]
Settlement Agreement Confirmation Letter
Settlement Agreement Confirmation Letter — Verify and Document Your Debt Settlement in Writing Confirm Every Detail and Protect Your Middle Credit Score®. After successfully negotiating a debt settlement, it’s critical to confirm the agreement in writing before sending payment.A Settlement Agreement Confirmation Letter ensures that both you and the creditor or collection agency fully understand […]
Collection Agency Reporting Error Letter
Collection Agency Reporting Error Letter — Dispute Duplicate or Inaccurate Collections Stop Double Reporting and Protect Your Middle Credit Score®. If the same debt is showing up multiple times on your credit report—often under different collection agencies—it’s a clear reporting violation.A Collection Agency Reporting Error Letter helps you dispute duplicate or inaccurate collection entries and […]