Free Credit Repair Sample Letters for 2020

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. Even though some of these letters were prepared by a lawyer, we can’t be liable for someone using these letters incorrectly 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. Still, you should still be familiar with the process on your own.

You should also take 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 credit bureaus. This will give you an overview of what rights you have.

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

Do-It-Yourself Credit Repair Letters

It’s very important that you take the time to learn the credit repair process. 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. 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 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 on 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 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 kind of 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 to 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.

Why do I need to send letters?

Writing letters is the best practice when dealing with the 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.


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 the credit bureaus might deem them 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 very careful it is done correctly. If you constantly send letters requesting items be removed, they will start ignoring you.

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

Use Your Own Words

Once again, if you do decide to send a credit dispute letter on your own, it’s important to write 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 that do this for a living who can make sure it is getting done right the first time.

How I Improved My Credit

A couple years back, I was laid off from my job. Things gradually got worse and worse until my company decided that they had to file for bankruptcy.

Finances were already pretty tight for me and I didn’t have much savings, so the bills kept on piling up. I continued to get further and further behind and had to use credit cards for my day-to-day purchases.

It finally got to the point where I had maxed out all of my credit cards and no longer had any way to pay my bills. Credit card issuers and debt collectors were calling me constantly. My cards went into default and I had to file for bankruptcy. The bankruptcy destroyed my credit. I felt like a second-class citizen.

No bank would even give me the time of day when it came to getting a loan. I was driving a car that barely ran because I couldn’t afford a new one. I had to constantly make expensive repairs to the car.

Hiring a Credit Repair Company

Following one of the car’s breakdowns, a friend of mine told me to check out Lexington Law. I wasn’t sure what to think, but I trusted my friend and gave them a call. I got a free credit consultation and they offered to go to work right away to remove the bad items from my credit reports.

I decided to go ahead with them and after a few months, I got some letters from credit reporting agencies notifying me some items had been removed from my credit report.

After a few short months, my credit score had risen to where I could finally get a new car. Without Lexington Law, it would have taken years before my credit got turned around. With them, it was faster than I thought possible.

If you want to make sure it gets done right, let the professionals at Lexington Law take care of it for you.