Free Credit Repair Sample Letters for 2022

If you’re feeling overwhelmed by the credit repair process, you’ve come to the right place. We’ve drafted several credit repair letters you can use as samples to help take the guesswork out of the procedure.

pile of letters

Please understand these are only samples and are not to be used word-for-word. Also, even though some of these letters were prepared by a lawyer, we can’t be liable for someone misusing these letters, and we are not here to give legal advice.

You should always consult a lawyer when drafting a credit dispute letter that can have a lasting impact on your credit score. Still, you should be familiar with the process on your own.

It would be best if you also took the time to read the Fair Credit Reporting Act (FCRA) Section 611 on the Federal Trade Commission (FTC) website. It requires creditors to report complete and accurate information to the three major credit bureaus. This will give you an overview of what rights you have.

We’ve pulled together an arsenal of helpful resources and tips to aid you in fixing your credit using a credit dispute letter template. When done correctly, you can see quick and effective results and get access to better interest rates and terms.

Do-It-Yourself Credit Repair Letters

It’s imperative that you take the time to learn the credit repair process. First, read the ultimate guide and other articles on the site to make sure you understand which ones apply to your credit situation. Then, you can start browsing letter templates to find one applicable to your situation.

Be aware that not understanding the proper protocol can actually have lasting damage. For example, if you don’t know when to send the right letters at the right time, your credit scores could worsen rather than improve.

When it comes to repairing your credit, you don’t want to miss an opportunity to improve your credit scores so take the time to do some reading as the first step of the process.

Using Free Credit Repair Letter Templates

The letters listed above are wonderful resources that you can use to help repair your credit. By sending letters to credit reporting agencies, you force lenders to prove that you owe them money and that they are justified in adding the negative item to your credit report.

This places the burden of proof on your creditors rather than allowing them to assume everything on your credit reports is correct.

Personalize Your Credit Repair Letter

The above letters are only samples, so you can use those as a guideline and fill in your own personal commentary. In fact, we recommend personalizing your letter so that it looks original in the eyes of the credit bureau staff.

They look at hundreds of letters a day and are sure to notice which letters have been copied and pasted and which ones actually incorporate some original thought.

The common thread amongst all credit repair letters, no matter what information you’re trying to dispute, is including the right information.

Burden of Proof

Remember that the burden of proof is on the credit bureau, collection agency, or creditor, so don’t provide any more information on your account or payment history than is necessary. Also, be sure to include what kind of resolution you’re looking for.

You might ask the credit bureau to remove negative information that is incorrect or outdated. Or perhaps your loan balance information is inaccurate, and you’d like it to reflect the lower amount.

Both of these things can help your credit score in different ways. Removing negative information from your credit reports is helpful, but so is updating information to be more positive. Keep both strategies in mind when writing your credit dispute letters to the credit bureaus.


You may also want to consider writing it in ink, so they know a real person wrote it. It shouldn’t be too stuffy because if it reads like a form letter. In this case, the credit bureaus might deem it as “frivolous” and in legal terms, they wouldn’t have to respond to you.

If you send letters to a credit reporting agency, you need to be careful it is done correctly. For example, if you constantly send letters requesting items be removed, they will start ignoring you.

You need to get it right the first time to have a good shot at getting negative items removed from your credit reports.

Use Your Own Words

Once again, if you decide to send a credit dispute letter on your own, it’s important to write it using your own words. Make sure the letter looks and sounds like it is coming from you. Keep the letter short and to the point.

Since it is a bit risky sending dispute letters on your own, you may want to consider hiring a professional credit repair company. Many of them have paralegals and lawyers who do this for a living and can ensure it is done right the first time.

Why do I need to send credit repair letters?

Writing letters is the best practice when dealing with credit bureaus, your creditors, and collection agencies. Why? Because it allows you to keep concrete evidence of your communications should you need to provide evidence in a lawsuit against them.

All communication with them should be done in writing. The letter should have a formal tone and be clear and concise to provide the most effective results.

Hiring a Credit Repair Company

Lexington Law specializes in disputing negative items on your credit report. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.

If you’re looking for a reputable company to help you repair your credit, you may want to consider working Lexington Law. You can give them a call at (800) 220-0084 for a free credit repair consultation to see how they can help you. They have helped many people in your situation and have paralegals standing by waiting to take your call.