Skip to main content

Are you a legal professional? Visit our professional site

Please enter a legal issue and/or a location
Begin typing to search, use arrow keys to navigate, use enter to select

Sample Credit Repair Letters

Bad credit can impact your ability to buy a home, qualify for a car loan, and even in some cases allow you to get passed over for your dream job. If you are looking to repair your credit, there are a number of avenues you can take. Some are legitimate, others not so much. From using a credit repair agency (oftentimes seen as a poor way to repair credit because of the potential for scams) to speaking with a credit repair attorney, improving your credit history and credit score can be an overwhelming and laborious process. However, if you are attempting to find some debt relief, you may want to start by sending a credit repair letter to your creditors. A credit repair letter can take numerous forms and be sent 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 credit report in exchange for partial payment of existing debt)
  • Cease and Desist (a letter informing a creditor to stop contacting you altogether, although it doesn’t erase the debt).

Sample Credit Repair Letter

Negotiating down debt is by far one of the most common reasons a consumer would have for sending a letter to a creditor. Below you will find a sample letter to assist you in crafting your own letter. Keep in mind, it is always best to seek the advice of an attorney before entering into any type of debt negotiation or credit repair plan. For more information, check the Federal Trade Commission (FTC) website for tips on how to improve your credit.

Your 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 am hoping you would be willing to 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 would also like to request that you remove any late payment or negative marks regarding this account from my credit report.

I am currently in the process of repairing my credit and attempting to settle several accounts in addition to this one. Unfortunately, I have very limited resources; therefore I am only able to pay those creditors that can meet my terms. I have already reached several agreements with other creditors, and hope we may also be able to 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 shall send you 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 important pathway to financial freedom. Whether you are hoping to stave off creditors for a little longer, or simply want to work out a reasonable payment plan, you may want to speak with a consumer law attorney who specializes in credit repair to learn more about your options. An attorney experienced in credit repair laws and regulations can help you determine the best course of action for your situation.

You Don’t Have To Solve This on Your Own – Get a Lawyer’s Help

Meeting with a lawyer can help you understand your options and how to best protect your rights. Visit our attorney directory to find a lawyer near you who can help.

Or contact an attorney near you:

Next Steps

Contact a qualified consumer attorney to assist with any credit, banking, or finance issues you face.

Begin typing to search, use arrow keys to navigate, use enter to select

Help Me Find a Do-It-Yourself Solution

Copied to clipboard

Find a Lawyer

More Options