Letter Library
Letters with legal teeth
Every template cites the specific law it relies on. Create a free account to generate them with your own information filled in.
AllAuto & Repossession (2)Bankruptcy (3)Complaints & Legal Escalation (6)Credit Bureau Disputes (35)Credit Rebuilding (3)Debt Collectors & Debt Buyers (32)Goodwill & Negotiation (7)Medical (2)Military (2)Mortgage (3)Original Creditors & Furnishers (13)Student Loans (3)
3 letters
Credit Rebuilding
Request for Credit Limit Increase to Improve Utilization Ratio
Use when requesting a credit limit increase on a well-maintained revolving card to lower overall credit utilization without incurring a hard inquiry.
Credit RebuildingRequest for Secured Credit Card Graduation & Security Deposit Refund
Use after maintaining 6 to 12 months of on-time payments on a secured credit card to request graduation to an unsecured account and refund of your cash deposit.
Credit RebuildingRequest to Report Positive Rent and Utility Payment History
Use to request your utility company, landlord, or telecom provider to opt-in or furnish your positive on-time payment history to major credit bureaus.