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Sample Credit Repair Letter

Bad credit can affect your ability to buy a home or qualify for a car loan, sometimes allowing you to get passed over for your dream job. If you are looking to repair your credit, there are many avenues you can take. From using a credit repair agency to speaking with a credit repair attorney, improving your credit history and credit score is overwhelming.

A critical first step is getting a free credit report from one of the three major credit bureaus (Experian, Equifax, or Transunion) and carefully reviewing it for disputed information. If you find incorrect information in the copy of your credit report, sending a credit repair letter to the credit reporting agency is a proactive measure to correct inaccuracies and improve your credit standing.

A credit repair letter can take many forms, and you can send one for a variety of purposes, such as:

  • Disputing a debt (usually because of an error on a credit report)
  • Debt validation letter
  • Negotiating a "pay for delete" compromise (creditor agrees to delete negative information on your credit report in exchange for partial payment of a debt)
  • Cease and desist (a letter informing a creditor to stop contacting you altogether, although it doesn't erase the debt).

What Is a Credit Repair Agency?

A credit repair agency is a professional service that helps people improve their credit scores by identifying and disputing inaccurate information in their credit files. These agencies work with credit bureaus and creditors to challenge negative items and fix credit report errors on behalf of their clients.

Before hiring a credit repair company, it's essential to consider certain factors. First, you should research and verify the agency's legitimacy. You can do this by checking reviews, complaints, and any regulatory actions against them. Reputable agencies will clearly outline costs and describe the steps they will take to help improve your credit. Also, be cautious of agencies that promise quick fixes or guaranteed results.

Credit repair is a process that takes time. Understanding your rights under the Credit Repair Organizations Act (CROA) and being aware of potential scams will empower you to make informed decisions. The Fair Credit Reporting Act (FCRA) outlines consumers' rights and responsibilities about their credit reports, including the process of disputing errors. Another great resource is the Consumer Financial Protection Bureau (CFPB), which offers resources and educational materials to help consumers make informed financial decisions.

Common Credit Repair Agency Scams

Credit repair agency scams often prey on people seeking to improve their credit scores. Beware of agencies that request upfront fees before providing any services. Reputable credit repair organizations only charge for work already completed. Also, suppose a company suggests creating a new identity, disputing accurate information on credit reports, or advising clients to lie about their credit history. In that case, these are clear signs of fraudulent practices. Be cautious about sharing sensitive information such as Social Security numbers, credit card details, or personal information. These scams may involve identity theft or unauthorized use of data. Thoroughly research any credit repair agency to avoid falling victim to a scam.

Sample Credit Repair Letter

Negotiating down debt is one of the most common reasons a consumer would have for sending a letter to a creditor or lender. Below is a sample letter to help you craft your own letter. Send the letter via certified mail and keep the return receipt for your records. Keep in mind it's always best to seek the advice of an attorney before entering into any debt negotiation or credit repair plan. For more information, check the Federal Trade Commission (FTC) website for tips on improving your credit. If you wish to dispute an error on your credit report with a credit report dispute letter, see FindLaw's Sample Credit Dispute Letter Template.

Full Name


City, State, Zip Code

Creditor Name

Credit Department


City, State, Zip

Re: Account Number:

Dear Madam or Sir:

I am writing to offer a compromise to settle my outstanding debt with your company in the amount of [numerical value]. I hope you will work with me to settle this debt so I may pay it off.

The amount I propose to settle this debt in full is [amount]. I also request that you remove any late payment or negative marks on this account from my credit report.

I am repairing my credit and attempting to settle several accounts besides this one. Unfortunately, I have very limited resources, so I can only pay those creditors that can meet my terms. I have already reached several agreements with other creditors, and I hope we can also come to my proposed agreement.

If your organization is willing to accept my proposal, please read and sign the enclosed letter and send me a copy. Once I receive the signed proposal, I will send you the proposed amount.


Your name

Enclosures: [List what you are enclosing.]

Sample Credit Repair Letters: Related Resources

Get More Information on Credit Repair

Credit repair is an essential pathway to financial freedom. You may want to stave off debt collectors for a little longer. Or you want to work out a reasonable payment plan. You should speak with a consumer law attorney specializing in credit repair to learn more about your options. An attorney experienced in credit repair laws can help you find the best action.

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