Fix Errors. Rebuild Confidence. Protect Your Middle Credit Score®.

Welcome to the Credit Dispute Letters Center at Middle Credit Score® — your free, reliable source for professional, ready-to-use letter examples designed to help you repair your own credit.

Every sample letter below is built for clarity, compliance, and effectiveness under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).
Whether you’re disputing inaccurate information, following up after an unresolved claim, or protecting yourself from identity theft, these templates give you the tools to take control of your credit report and raise your Middle Credit Score®.

🔹 How to Use These Letters

1. Identify the issue on your credit report.
2. Choose the correct letter type from the list below.
3. Customize the letter with your account details and supporting documents.
4. Mail it via certified mail (with return receipt) to ensure tracking.
5. Keep a copy of everything you send for your personal records.

📁 Explore Credit Dispute Letter Categories

Each category below links to multiple specific letters — 32 in total — all crafted for real-world use and search optimization.

1. Primary Dispute Letters (Initial Challenges)

When you first discover inaccurate information, start here. These letters initiate the investigation process directly with credit bureaus, creditors, or collection agencies.
Includes:

• [General Credit Bureau Dispute Letter]
• [Direct Creditor Dispute Letter]
• [Debt Validation Letter (FDCPA 809(b))]
• [Identity Theft Dispute Letter]
• [Mixed File / Duplicate Account Dispute Letter]
• [Outdated Account Dispute Letter]
• [Personal Information Correction Letter]
• [Public Record Dispute Letter]

2. Follow-Up or Secondary Dispute Letters

If your first dispute didn’t fix the issue, these letters help you push back, request verification, or escalate non-compliance.
Includes:

• [Method of Verification Request Letter]
• [Second (Reinvestigation) Dispute Letter]
• [Failure to Respond Complaint Letter]
• [Escalation Letter to CFPB or State Attorney General]

3. Negotiation & Resolution Letters

Use these when the information is valid but you want to negotiate a more favorable credit outcome or confirm settlement agreements.
Includes:

• [Goodwill Adjustment Letter]
• [Pay-for-Delete Letter]
• [Settlement Agreement Confirmation Letter]
• [Account Deletion Confirmation Letter]
• [Re-Aging Request Letter]

4. Special Circumstance Letters

Target specific reporting errors like medical debts, student loans, or duplicate collections.
Includes:

• [Medical Debt Dispute Letter]
• [Student Loan Dispute Letter]
• [Credit Inquiry Removal Letter]
• [Closed Account Reporting Error Letter]
• [Paid Account Still Showing as Unpaid Letter]
• [Charged-Off Account Inaccuracy Letter]
• [Collection Agency Reporting Error Letter]

5. Identity Theft & Fraud-Related Letters

When identity theft occurs, act fast. These letters help you protect, freeze, and restore your credit profile.
Includes:

• [Fraud Alert Request Letter]
• [Extended Fraud Alert Letter]
• [Security Freeze Letter]
• [Identity Theft Report Submission Letter (FTC Affidavit)]

6. Verification & Documentation Letters

These letters confirm accuracy and documentation after a dispute has been resolved or when validation is required.
Includes:

• [Request for Original Creditor Information Letter]
• [Request for Itemized Statement Letter]
• [Proof of Authorization Letter]
• [Credit Bureau Deletion Verification Letter]

⚖️ Why These Letters Work

Each example follows the exact structure required by federal law — concise, factual, and easy to verify.
By combining the right letter with your documentation, you’re building a record that strengthens your rights under the FCRA and helps correct your report faster.

💡 Middle Credit Score® Tip

Your Middle Credit Score is the score lenders use most when approving loans. Even a single corrected account can shift your score dramatically. Use these letters to repair inaccuracies, and visit our Middle Credit Score® Academy to learn how to rebuild and maintain strong credit over time.

📨 Start Improving Your Credit Today

Download, customize, and send any of the 32 free templates.
Each letter brings you one step closer to an accurate credit report — and to a higher Middle Credit Score®.

👉 Explore the full library below or start with [General Credit Bureau Dispute Letter]