What do I say to a collection agency?

What should my dispute letter say?

If I am disputing an inquiry, what should I include?

What about a medical collection?  Or a charge-off?

Here are over 100 dispute letter templates for you to personalize to set your Credit on FIyah!!!

Course curriculum

  • 01
    How to Dispute
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    • How to Write a Dispute Letter
  • 02
    Personal Data
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    • Personal Data Dispute Letter Templates
  • 03
    Credit Bureau Letters
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    • Dispute Letter Templates to Send to Credit Bureaus
  • 04
    Sample Verbiage
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    • General Disputes Verbiage
    • 2nd Round of Disputes - General Rule of Thumb
    • Collection Agencies - Sample Dispute Letter Verbiage
    • Method of Verification (MOV) - Dispute Verbiage Examples
  • 05
    Sample 6-Round Dispute Process - Credit Bureaus
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    • Round 1
    • Round 2
    • Round 3
    • Round 4
    • Round 5
    • Round 6
  • 06
    Collections
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    • Collection Dispute Letter Templates
    • Collection reporting as owed after bankruptcy discharge
    • Collection Validation: Bankruptcy
    • Zombie Debt - Letter to AG Office
    • Mistakenly Paid Already
  • 07
    Public Records
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    • Send This If the Credit Bureau Says Courthouse Verified Your Public Record (Not applicable to child support agencies)
    • Judgment reporting after bankruptcy discharge
    • Judgment Proof
  • 08
    Inquiries
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    • Inquiry Dispute Letter - To Credit Bureau
    • Inquiry Dispute Letter - To Credit Bureau
    • Inquiry Dispute Letter - To Creditor
  • 09
    Repossession
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    • REPOSSESSION DEFICIENCY DISPUTE
  • 10
    Debt Settlement - Pay 2 Delete
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    • Agreement to Settle Debt in Exchange for Deletion - Liquidated Damages Provision
    • Validation w/Settlement Request
    • Pay 2 Delete Letter
    • Acceptance of Terms of Verbal Offer
    • Settle A Debt
  • 11
    TeleCheck, EWS, ChexSystems Dispute Letter Templates
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    • Dispute Letter Templates (Word)
  • 12
    Original Creditor Letters
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    • Send to remove Authorized User account from credit report.
    • Dispute late payments and inaccuracies on BK accounts
    • Charge Off Verification
    • Charge Off Verification: Paid
    • Light, easy Goodwill
    • Late Payments - 30 days past due ONE time
    • Late Payments - 60+ days past due
  • 13
    Mortgage Disputes
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    • Mortgage Foreclosure Disputes
    • Mortgage Late Payment Disputes
    • Mortgage Foreclosure -- Limited/No Response
    • Notice to Creditors/Agency of filing complaints with CFPB (Customize based on your situation)
  • 14
    609 Dispute Letters
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    • 609 Dispute Letter Package

What's included?

  • 33 Texts

  • 1 PDF

  • 9 Downloads

  • About the instructor

    Netiva, The Frugal CrediTnista, is a financial educator, specializing in helping others realize the power of leveraging their personal credit to build wealth.For over 10 years, her firm, MNH FInancial Services, LLC, teaches people across the country, how to Master their Money, Destroy their Debts, & Soar their Credit Scores.Having overcome half a million dollars in debt herself, she recognizes the importance of providing her students and clients with factual informaiton that they can begin implementing immediately to transform their lives.Her mission is to help 10,000 people this year to save more money, increase their net worth, and transfer the faces of ownership in communities across the country starting with learning, building and leveraging her student's credit scores, by practicing healthy financial habits.She is living proof that a temporary financial situation, does not determine our financial destination.

    Netiva "The Frugal CrediTnista"

    Financial Educator, Realtor, Certified Credit Counselor

    Netiva