12 Sample letters to repair your bad credit

Submitted by Richard on Tue, 08/19/2008 - 07:13

Credit is one of the major factors that make up everyone's daily lives. If your credit is somehow affected, you will face a large number of problems. So you should always try to repair your bad credit before it gets to be too much for you to handle. There are two options available to repair your bad credit – you can get help from a credit repair company, or you can repair your credit by yourself. Letters of credit will help you to repair your credit by yourself.

Most of our members have asked for sample Letters of credit that will enable them to repair their own credit. Here are some links that will take you to the sample Letters of Credit shared by our community members.

  1. Dispute letter to the credit bureau
  2. Cease and desist letter
  3. Intent to file lawsuit against creditors/CA
  4. Intent to file lawsuit against credit bureau
  5. Letter to creditor for removing a hard inquiry
  6. Letter to credit bureau for removing a hard inquiry
  7. Debt validation letter
  8. Debt validation follow-up letter
  9. Pay for delete letter
  10. Account reaging letter
  11. Loan modification letter/Hardship letter
  12. Summons response form letter
Gail Poirier (not verified)

I want something removed from credit report, I cosigned a car loan for my boyfriend 7 or eight years ago. The vehicle was repoed,and it showing not to come off my credit until 2017. My boyfriend did bankruptcy and it's not on his credit, and I really would like it to be off mine. I wanted to write a goodwill letter to the credit bureau and need help writing the letter.

Sun, 07/19/2015 - 15:17 Permalink
peter c (not verified)

I Have a few duplications on my credit report what type of letter do I need but here's the twist I also have someone out of this lovely country of our that tried to use my name or ss# what can I do? castillopeter390@gmail.com thank you for your time looking forward to hearing from you

Fri, 07/24/2015 - 18:08 Permalink
Mizell (not verified)

I just wanted to know if anyone as familar with the 609 letters that are sent out to the 3 reporting agency's?

Fri, 09/18/2015 - 18:50 Permalink
ROBERT MAIN (not verified)

I BELIEVE MY WIFE AND I ARE VICTIMS OF MAJOR IDENTITY THEFT PERPERTRATED BY MY FATHER AS A WAY TO PUSH HIS MORGTAGE BACK SECURITIES CREDIT DEFAULT SWAPS THRU AZ JUSTICE COURTS. AZ JUSTICE COURTS ARE ON THE CDO'S SIDE IN DEFRAUDING LOW INCOME DEBTORS. WHAT DO I DO

Sat, 09/19/2015 - 21:22 Permalink
rian (not verified)

do you have any sample letters to remove paid collection accounts that are still on your credit report

Mon, 09/21/2015 - 04:21 Permalink
Louise Thomas (not verified)

I purchased an item from a store on installments payment finance thru a company. The company terminated their business with the store and closed all there accounts. This was reported to credit bureau by the financing company which caused my credit score to be lowered. I am still paying the company, have not missed a payment. Is this legal? What can I do to dispute this negative credit to the credit bureau.

Fri, 11/20/2015 - 23:59 Permalink
Taylor (not verified)

I had to move out of my apartment with my ex due to it being an abusive situation. I could not afford to pay two rents so I had to walk out on the lease and rent another place. How can i repair this from my credit

Mon, 12/28/2015 - 13:56 Permalink
Toby (not verified)

Is there any way for me to remove old, closed accounts?

Sat, 01/02/2016 - 14:29 Permalink
Steban Tijerina (not verified)

Hello Carol, I have recently joined the military, and while away I asked my parents to make a payment on my credit card due to me not having access to the internet while in Basic Training. With the log on information I gave them they were not able to make the payment ( couldn't log on) thus giving me a missed payment on my credit report. Also I have a missed payment from a credit card because I was 5 minutes late to make the payment. This one was made when I first received my credit card and I was still learning how to make payments and that they must be made by 5p.m. or it would show up next day. I was wondering how I should go about getting these taken off my credit report. I have a stable job and have never been late other than those times. Since my credit history is fairly low, that is all that creditors see on my history and my score is low. any help would be greatly needed. thanks. Email is Steban.Tijerina@gmail.com

Tue, 01/05/2016 - 22:54 Permalink
brenda (not verified)

I have several paid bills on my collection. I'm trying to get them removed. Will writing a letter help?

Sun, 01/17/2016 - 15:02 Permalink
David Stob (not verified)

How does a Collections agency request the deletion? What would their letter to the Credit bureau look like?

Thu, 01/21/2016 - 19:01 Permalink
Katrina74 (not verified)

I have a car loan on my report saying chargeoff paid in full. The company say that it can not be removed is that correct.

Fri, 01/22/2016 - 17:36 Permalink
Am23 (not verified)

I had an emergency surgery in 2010 when I was 19 I applied for Medicaid and they said that it would cover they came back after the surgery and said I made to much I was 19 worked at subway and this is hurting me from my credit building up its been on there since I was 19 I am now about to turn 27

Mon, 02/15/2016 - 20:45 Permalink
Janice Dorgan (not verified)

My stepson was injured in 2013, out of state, and received treatment in a facility which was out of network for my insurance company. He was over 18 at the time, and still on my family health insurance plan. The insurance company denied the claim. I have, once again, received a call from a collection agency, requesting I pay this amount. I have sent 3 previous letters to the 3 previous collection agencies, explaining the situation and requesting this be corrected. What do I need to do in this regard, to remove from my credit and stop harassment for a bill which is not in my name?

Thu, 02/18/2016 - 13:13 Permalink
MissySparrow (not verified)

I had a loan for a mortgage and my husband and I separated and divorced and I left the property. He was to pay the loan since I had to pay rent when I moved out. He would pay late and then it went to foreclosure but his father (co signer of the loan) paid it in full to be able to keep the house. Can I get the bad credit off of my credit report now since it has been paid?

Mon, 04/04/2016 - 20:51 Permalink
James Hurd (not verified)

What if a credit bureau take longer than 15 days for method of verification?

Tue, 04/19/2016 - 08:12 Permalink
Tobie (not verified)

I have a bankruptcy filed on my credit that was dismissed! It never went to court but it is still on there can I have that removed?

Fri, 04/22/2016 - 16:16 Permalink
mely T (not verified)

Hi I just have one question I would like to know how I could get the account number afilliated with my account that is in collection and can I still file a dispute if the account was from a few yrs ago and they reopened it?

Wed, 06/29/2016 - 05:12 Permalink
Cindy Melendez (not verified)

Good evening,
I have several negative items on my credit report, such as write offs, collection, paid not in full etc... and I want them removed. What letter do I write. It is my debt, but I don't want my past mistakes to continue to haunt mex help !

Sat, 07/02/2016 - 05:50 Permalink
tyeekah (not verified)

I have having trouble signing up and getting through to someone on the phone

Thu, 07/14/2016 - 22:46 Permalink
Santiful (not verified)

What would you say is the first step to take towards fixing your credit?

Thu, 07/21/2016 - 17:38 Permalink
Bridget Lopez (not verified)

Hi Carol
I had taken out a secured loan against my car that was paid off. The car broke down and needs a motor and was not worth fixing. I still owed $1718.00 for that loan. The creditor has not picked up the car and it's parked on the street. They have also reported it as a charge off. I had tried to sell it to junk cars to have it removed because my landlord wants it moved, but I found out the creditor has a lien on it. How can I get this situation resolved?

Wed, 07/27/2016 - 17:39 Permalink
remadmax@gmail.com (not verified)

Litton foreclosed on my home. We knew at the time it was wrong, but there was no one to help us. They were found guilty in Federal court of many mortgage violations. They listed a foreclosure on my credit report, can I get that removed since they were found guilty of improper foreclosures and fined by federal law? Thank you

Mon, 08/22/2016 - 20:19 Permalink
Jen Ray (not verified)

Hello
My credit report still shows my car repo that occurred over 9 yrs ago.
It continues showing 60 day late notices even now?? And last active as of 2015?? WhT can I do to get them to remove this??
Thanks so much for your help.

Thu, 01/12/2017 - 04:45 Permalink
Steve McGee (not verified)

Hello, I have a quick question, I just checked my free credit report and I noticed an open account listed as CBNA with the first numbers of 504994. It shows I opened this account Nov. 1, 1979. I have no cards in my possession for that account and I never receive new cards as the old ones expire. Can you tell me what this account is? Thank you very much.

Sat, 07/15/2017 - 00:29 Permalink
Jan dumisani nkosi (not verified)

Um Jan nkosi um in debts and credit berue so I can't do anything I've already paid my debts so I need some help

Wed, 04/04/2018 - 12:40 Permalink
BarbaraESlone (not verified)

I wasn't always in the position I am in today. In 2006 I was almost $10,000 dollars in debt, had a credit score of 400, and I was working for minimum wage as a janitor. Being in debt is like a magnet that makes you feel like you are stuck at the starting line. It’s been a long road to get to where I am now. Until i met with a hacker online who gave me a new life. I am so grateful to him, incase someone might need the service, You can reach thi s mail or tex t (COMPUTERSPYEXPERTS at GMAIL dot COM) or (9 4 9) 6 1 4 - 5 5 8 8
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Sat, 04/28/2018 - 09:53 Permalink
BarbaraESlone (not verified)

I wasn't always in the position I am in today. In 2006 I was almost $10,000 dollars in debt, had a credit score of 400, and I was working for minimum wage as a janitor. Being in debt is like a magnet that makes you feel like you are stuck at the starting line. It’s been a long road to get to where I am now. Until i met with a hacker online who gave me a new life. I am so grateful to him, incase someone might need the service, You can reach thi s mail or tex t (COMPUTERSPYEXPERTS at GMAIL dot COM) or (9 4 9) 6 1 4 - 5 5 8 8
Please use me as Reference

Sat, 04/28/2018 - 09:54 Permalink
Mary Fries (not verified)

This guy is awesome! When I first heard about this kind of service, I did not know what to think. Computerspyexperts was a great help in finding the right path for me to get my credit boosted so I can apply for A home loan. After just 72 hours, I woke up one morning and checked my credit score and it had went up 261 points! I highly recommend COMPUTERSPYEXPERTS at GMAIL dot COM, they offer the best services also text (4 6 9) 8 4 4 - 0 5 3 6

Sun, 05/13/2018 - 13:54 Permalink
Echo123 (not verified)

Hi Carol,
Here is my story in hopes for any suggestions on how to protect myself from a Judgment or Levy. Since 2014 I have been trying to settle a divorce/separation and is still ongoing due to xspouse chose to flee the USA to the middle east.
My kids and I lost our home of 18years due to foreclosure. Credit Cards in my name that were used during marriage with total balance of $8000, I had to quit paying due to financial devastation, due to X was the main provider and I made only a fourth of what he makes.
All those CC were charged off then after 2 years , two of those showed up on Credit Report in collections and have been bought by debt buyers Midland (Debnam Smith representing Midland) and the other by portfolio recov.Uniland. Midland lawyer sent file with intent to sue letter for $2422.00 but after I requested debt verification letters which they responded with enough info, they then said they would except lump sum of 1900.00 not letter than 7/16/18 or would except 3 payments of 800.00, or will just get judgment for 215 dollars a month plus interest till full amount paid. I live pay check to pay check with high rent , car pay, high utilities, etc and high monthly medical bills and prescriptions for all three of us. By end of month I end up with about 6.00 in account. I want to buy the town home we rent but need scores above 650 which until these collections just showed up I had almost reached that goal. My Rent of 1200mo would be then a house pay of 750 a month and would help my financial situation a lot. Debnam and Smith are Hard Core and I can't get them to budge. I'm terrified of a Judgment that will destroy my dream of ever owning my own home and if they levy my bank account, I will be destitute. I also heard they don't have to let me know when court date is or where so they can get a default and win a judgment.I have requested via certified mail many times where or when this might be, so I could prepare myself to show for court with no response. I'm mortified. At 55 I can't afford a bad credit report for 10 to 20 years if Judgment awarded. Any suggestions from anyone would be helpful. I cannot afford a lawyer. Am I doomed? Sorry for the novel. I live in NC

Wed, 07/11/2018 - 17:35 Permalink
dan koeman (not verified)

Hello, UNIVERSAL HACK9 has done it again. I have a pull on my credit from my old house, they agreed to let me pro rate the last month i was there because i told them i wouldn’t need the additional 30 days and then i got a letter in mail from court stating i did not pay rent. I called them and they cancelled it right away, so i never had court etc and i paid them and got security deposit back. But when i applied for my new house recently it pops up on credit, it does state “cancelled” and cleared but it shows up and i got denied houses because of this. . this is really making my house hunting difficult and i never missed rent in the past at all. I needed to get this removed, so I contacted UNIVERSALHACK9@GMAIL.COM. And he prove to me that he is the best. He removed it and raised my score to 788. This is incredible. Thanks UNIVERSAL HACK9

Thu, 11/22/2018 - 05:23 Permalink
Thomas8888 (not verified)

Can I get a loan somewhere to pay for a hack? Best Regards

Thu, 12/27/2018 - 14:08 Permalink
David456 (not verified)

A warm greetings to you all reading this my name is David; Competence is one thing we don’t need to undermine. GHOST VIRUS has proved to be competent, reliable and trustworthy. He used his wealth of experience in fixing my bad Credit Report, deleting all negative items including FBI reports and medical bills from my credit report. He gave me an excellent score I have no worries anymore I got my life back thank to Ghost. I’m sure you won’t have any regret employing the services of Ghost You can always reach them on (GHOSTVIRUS7890@GMAIL.COM 205 418 0498). Have a Great Weekend.

Sat, 01/19/2019 - 19:43 Permalink
Jim Douglas (not verified)

Hello, my name is Jim and I was just looking your website creditmagic.org
over and thought I would message you on your contact form and offer
some help. I really like your site but I noticed you weren_t getting a
lot of traffic and your Alexa ranking isn_t as strong as it could be.

Fortunately, I may have an answer for you. I can get you 1,000_s of
visitors looking at creditmagic.org ready to buy your product, service or
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websites provides a low cost and effective online marketing solutions
that actually works. I can help your business get more online quality
traffic by advertising your business on websites that are targeted to
your specific market. The Internet is vast but you don_t have to spend
huge amounts of cash to jump start your business. I can get you 10,000
highly targeted visitors directly to your website for as little as
$39.00 for a 30 day trial run.

It has taken us 12 years to perfect our system and in addition to
being exciting, it works!! We also have a special offer of 200,000
Targeted visitors spread over 60 days for a special one time charge
of $299.00.

If you would like to talk personally and have specific questions, call
me @ 480-331-6775 from 9am to 5pm MST. Also check out the short video
here and see how everything works.

Best Regards,
Jim
support@bestoptionseo.com
BestOptionSEO.com
https://bestoptionseo.com

Sat, 02/09/2019 - 00:17 Permalink
Ivor Paschal (not verified)

Be very cautious of who you employ to hack your FICO score, 95% of them are scammers.
Always be sure to take note of the way they all write . Most times they post bombastic spam messages full of incorrectly spelled words. I used so many of them or rather was used by them to know that while credit reports can be hacked, only the Polish hacker I met was able to erase bankruptcies and negatives, and surprisingly he wasn't only after the payment. Need to erase bankruptcies and fix credit reports? Text +12815295961 or email LEROYKHALIDCODE DOT TECH @ GMAIL DOT COM to get the job done.

Tue, 03/12/2019 - 00:59 Permalink
Abigail Matt (not verified)

Everything I read about DEBOOTH CREDIT SOLUTION on trulia, credit magic and Google are true. I believe they are just out to help people with credit issues be it minor or major. I don’t know who you are consulting right now, even if you have consulted someone already for your credit repair I strongly advise you contact DEbooth credit solution if you want desired results. It took DEbooth and his team approximately 14 working days to fix my credit. My fico score was increased by 100 points within the first week and later increased by 100 points on the second week, isn’t that incredible? My score was initially 602, and was increased to 802 across the three credit bureaus and my negative reports were cleared. I’m so happy and I conclude with this assertion that “DEBOOTH CREDIT SOLUTION is the best”. You can as well reach them today via DEBOOTHCREDITSOLUTION@GMAIL.COM and text: (562) 281-7621 to confirm this.

Fri, 04/05/2019 - 01:12 Permalink
Abigail Matt (not verified)

Everything I read about DEBOOTH CREDIT SOLUTION on trulia, credit magic and Google are true. I believe they are just out to help people with credit issues be it minor or major. I don’t know who you are consulting right now, even if you have consulted someone already for your credit repair I strongly advise you contact DEbooth credit solution if you want desired results. It took DEbooth and his team approximately 14 working days to fix my credit. My fico score was increased by 100 points within the first week and later increased by 100 points on the second week, isn’t that incredible? My score was initially 602, and was increased to 802 across the three credit bureaus and my negative reports were cleared. I’m so happy and I conclude with this assertion that “DEBOOTH CREDIT SOLUTION is the best”. You can as well reach them today via DEBOOTHCREDITSOLUTION@GMAIL.COM and text: (562) 281-7621 to confirm this.

Fri, 04/05/2019 - 03:46 Permalink
Jim Douglas (not verified)

Hello, my name is Jim and I was just looking your website creditmagic.org
over and thought I would message you on your contact form and offer
some help. I really like your site but I noticed you weren_t getting a
lot of traffic and your Alexa ranking isn_t as strong as it could be.

Fortunately, I may have an answer for you. I can get you 1,000_s of
visitors looking at creditmagic.org ready to buy your product, service or
sign up for an offer and fast. Our advertising network of over 9000
websites provides a low cost and effective online marketing solutions
that actually works. I can help your business get more online quality
traffic by advertising your business on websites that are targeted to
your specific market. The Internet is vast but you don_t have to spend
huge amounts of cash to jump start your business. I can get you 10,000
highly targeted visitors directly to your website for as little as
$39.00 for a 30 day trial run.

https://bestoptionseo.com

It has taken us 12 years to perfect our system and in addition to
being exciting, it works!! We also have a special offer of 200,000
Targeted visitors spread over 60 days for a special one time charge
of $299.00.

https://bestoptionseo.com

If you would like to talk personally and have specific questions, call
me @ 480-331-6775 from 9am to 5pm MST. Also check out the short video
here and see how everything works.

Best Regards,
Jim
support@bestoptionseo.com
BestOptionSEO.com
https://bestoptionseo.com

Thu, 05/02/2019 - 19:48 Permalink
JB Bardley (not verified)

Not sure why everyone's giving such bad reviews. Had gotten pre-approvals many times. I did my due diligence and built up my credit to get into the range of their "minimum requirement". with the assistance of a credit expert which I contact (captainspyhacker2 @gmailCOM or +1502-378-7817) to helped me fixed my credit. He helped me pay off my CC debt and improved my scores to 780 in a couple of days
Applied, got approved, Took less than a week for the whole process, with funds directly sent to my checking. I had benefited a lot from Captain spy service as I'm presently writing this message in my new house at Texas Thanks Captain!

Thu, 06/13/2019 - 10:55 Permalink
charmdatepsz (not verified)

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Mon, 07/22/2019 - 10:53 Permalink