These are the letters behind the tool. Each is generated from a legally-grounded template (never AI-written legal claims), addressed to the right recipient, and paired with the honest strategy for when to use it. You print, sign, and mail them yourself.
FCRA letters
FCRA § 611
Bureau Dispute Letter
Dispute an inaccurate item directly with a credit bureau. The workhorse letter — forces a 30-day reinvestigation.
FCRA § 623(a)(8)
Furnisher Direct Dispute
Dispute directly with the creditor/data furnisher who reported the item.
FCRA § 609
609 Information Request
Demand the documentation the bureau relied on. No verifiable proof, no lawful reporting.
FCRA § 611(a)(7)
Method of Verification (MOV)
Sent after an item is "verified" — demand HOW it was verified. A bare "verified" is not enough.
FCRA § 605(a)
Obsolete / 7-Year Removal
Remove items reported past the 7-year (or 10-year bankruptcy) limit.
FCRA § 611(a)(5)
Reinsertion Challenge
A deleted item came back without the required 5-day notice — demand re-deletion.
FCRA § 605B
Identity Theft Block
Block a fraudulent account with an FTC Identity Theft Report. 4-business-day block.
FCRA §§ 605A/605C
Fraud Alert / Security Freeze
Place a free fraud alert and security freeze to stop new fraudulent accounts.
FCRA § 611
Personal Info Correction
Fix a wrong address, phone, name spelling, DOB, SSN, or employer — bad identifiers cause mixed files.
FCRA § 604
Unauthorized Inquiry Removal
Remove a hard inquiry pulled without your permission / a permissible purpose.
FCRA § 607(b)
Mixed-File Separation
Someone else's accounts are on your report — demand your file be separated.
FCRA § 605(c)
Re-Aging Dispute
A collector reset the delinquency date to keep an old debt reporting. Force the true DOFD.
FCRA § 611
Discharged-in-Bankruptcy Fix
A discharged debt must show $0 / "included in bankruptcy," not a balance owed.
FCRA § 611
Divorce-Decree Debt Dispute
A debt the court assigned to your ex is still on your report — dispute it with the decree.
FCRA § 611
ChexSystems / Banking Dispute
Dispute bounced-check / account-abuse records at ChexSystems (the banking CRA).
FCRA § 623(a)(2)
Balance After Sale Dispute
The original creditor sold the debt but still reports a balance — it must show $0 and "sold/transferred."
FCRA § 623(a)(2)
Failure-to-Update Dispute
A payment, settlement, or status change was never reported — force the account current.
CARES Act § 4021
CARES Act / Forbearance Correction
An account in COVID/disaster forbearance was marked late — must report at pre-accommodation status.
FCRA §§ 623(a)(5)/605(c)
Date-of-First-Delinquency Correction
Fix the DOFD — the single field that controls the 7-year removal date. Cannot legally be reset.
FCRA § 611(a)(7)
Procedure Demand (§ 611(a)(7))
After a "verified" result, demand a description of HOW it was verified and who was contacted.
FCRA §§ 605/611
Judgment / Tax-Lien Removal
Civil judgments and tax liens generally no longer meet bureau public-record standards — usually quick deletes.
FCRA § 623(a)(2)
Authorized-User Tradeline Removal
You're only an authorized user, not liable — remove a negative AU account dragging your file.
FDCPA letters
FDCPA § 809(b)
Debt Validation Request
Force a collector to PROVE you owe the debt. Pauses collection until validated.
FDCPA § 805(c)
Cease Communication Notice
Legally stop a collector from contacting you.
Negotiation
Pay-for-Delete Offer
Offer payment in exchange for full deletion — in writing, before you pay.
FDCPA § 807
Time-Barred Debt Notice
Assert a debt is too old to sue on. Never pay/promise — it can restart the clock.
FDCPA § 807
False Representation Dispute
Challenge deceptive or abusive collector conduct and demand correction.
FDCPA § 809 / FCRA § 623
Request for Original Contract / Validation
Demand the original agreement + account documentation. Honest: no signature ≠ automatic delete — strongest for not-mine/ID-theft.
Creditor letters
FCRA § 623(a)(8)
Creditor "Prove the Debt" (direct)
Make the original issuer substantiate the account is yours + itemize the balance. Send alongside the bureau dispute.
FDCPA § 809
Medical Itemization & Validation
Force a provider/medical collector to itemize the bill, confirm insurance, prove the debt, and justify the amount.
FCRA § 623(a)(2)
Challenge the Amount / Balance
Dispute a wrong balance directly with the creditor/collector and demand an itemized accounting.
Identity Theft letters
FCRA §§ 609(e)/605B
ID-Theft Records Request (to creditor)
Demand the fraud application/transaction records from the creditor and that they stop reporting the fraudulent account.
FCRA Identity Theft Report
Identity-Theft Police Report (template)
A victim statement to bring to police — pairs with your FTC report to form an FCRA Identity Theft Report.
Credit letters
Courtesy request
Goodwill Adjustment
Ask a creditor to remove a one-off late payment as a goodwill gesture. Relationship, not law.
FCRA § 611
Write Your Own (custom letter)
You write the dispute in your own words — we format it for mailing. Custom letters triage better than template boilerplate.
Bureaus' policy
Medical Collection Suppression
Paid medical, unpaid medical under $500, or pre-180-day medical should not report (bureau policy).
FCRA § 611
Remove "In Dispute" Remark
A leftover "consumer disputes" remark can block mortgage underwriting — remove it once resolved.
Escalation letters
FCRA §§ 616/617
Notice of Intent to Sue
After failed disputes — the pre-lawsuit demand. The threat alone often gets deletions.
FCRA § 1681n
Small-Claims Complaint (worksheet)
A draft small-claims complaint worksheet to sue a CRA that ignored the law. Educational, not legal advice.
Generate any of these free
Answer a few questions and we produce the mail-ready letter with the correct citations, then track every 30-day deadline.
Start Free →Restore Credit is software that helps you exercise your rights under the FCRA (15 U.S.C. §1681 et seq.) and FDCPA (15 U.S.C. §1692 et seq.). It is not a law firm and does not provide legal advice, and no outcome — including item removal or score improvement — is guaranteed. Only dispute information you have a good-faith basis to believe is inaccurate, incomplete, outdated, or unverifiable; submitting false information to a credit bureau can be unlawful. For advice about your specific situation, consult a licensed attorney.