Middle Credit Score®

Medical Debt Dispute Letter — Remove Medical Collections and Correct HIPAA Violations

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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

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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

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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

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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 […]

Charged-Off Account Inaccuracy Letter

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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 […]

Pay-for-Delete Letter

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Pay-for-Delete Letter — Negotiate Removal of Collections from Your Credit Report Settle Debts Strategically and Protect Your Middle Credit Score®. If you have a collection account that’s accurate but hurting your credit score, you may be able to negotiate a “Pay-for-Delete” agreement—where a collection agency agrees to remove the negative item in exchange for payment.While […]

Credit Inquiry Removal Letter

Credit Inquiry Removal Letter — Dispute Unauthorized Hard Pulls on Your Credit Report Protect Your Privacy and Strengthen Your Middle Credit Score®. When a company checks your credit without your permission, it can appear as a hard inquiry, lowering your score and signaling unnecessary risk to lenders.A Credit Inquiry Removal Letter helps you dispute these […]

Goodwill Adjustment Letter

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Goodwill Adjustment Letter — Request Removal of Late Payments or Negative Marks Repair Relationships with Creditors and Protect Your Middle Credit Score®. Sometimes life happens—a missed payment, a brief hardship, or an honest oversight. Even when your account is now current, that single negative mark can still lower your credit score for years.A Goodwill Adjustment […]

Paid Account Still Showing as Unpaid Letter

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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 […]

Escalation Letter to CFPB or State Attorney General

Escalation Letter to CFPB or State Attorney General — File a Complaint for Unresolved Credit Errors When Credit Bureaus or Creditors Ignore You, Escalate the Issue. Protect Your Middle Credit Score®. If you’ve disputed inaccurate information and the credit bureaus or creditors failed to correct, investigate, or respond properly, it’s time to take your complaint […]