Letters with legal teeth
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13 letters
Direct Furnisher Dispute - Erroneous Account Balance
Use when a creditor is reporting an incorrect balance (e.g. reporting a non-zero balance after payoff or reporting an inflated amount).
Original Creditors & FurnishersDirect Furnisher Dispute - Inaccurate Account Status & Past Due Amount
Use when a creditor is reporting an incorrect account status (such as 'Past Due' or 'Charge-off') when the account is current, settled, or closed.
Original Creditors & FurnishersDirect Furnisher Dispute - Inaccurate Late Payment Reporting
Use when an original creditor or furnisher is directly reporting inaccurate late payment history (e.g., 30/60/90 day late marks) on your account despite timely payments.
Original Creditors & FurnishersDirect Furnisher Dispute - Incorrect Post-Bankruptcy Reporting
Use when a pre-petition creditor continues to report an active balance, late payments, or past-due amounts after a bankruptcy discharge.
Original Creditors & FurnishersDirect Furnisher Dispute - Unaffiliated Account / Identity Theft
Use when an account listed under a furnisher's name does not belong to you or was opened fraudulently.
Original Creditors & FurnishersECOA Demand for Specific Principal Reasons for Adverse Action
Use within 60 days of being denied credit, receiving a credit limit reduction, or unfavorable terms when the creditor did not provide specific reasons.
Original Creditors & FurnishersFCBA Notice of Billing Error - Statement Inaccuracy Dispute
Use within 60 days of receiving a billing statement that contains an arithmetic error, uncredited payment, or unauthorized charge on an open credit card account.
Original Creditors & FurnishersFurnisher Demand - Report Sold/Transferred Account with $0 Balance
Use when an original creditor sold or transferred a charged-off account to a debt buyer but continues to report an active balance.
Original Creditors & FurnishersNotice of Unauthorized Charge & Card Fraud Dispute
Use when fraudulent or unauthorized charges appear on your credit card statement.
Original Creditors & FurnishersOriginal Creditor Request - Copy of Original Agreement & Payment History
Use when you need the original creditor to produce the signed cardholder agreement, terms, and complete accounting statements.
Original Creditors & FurnishersRequest to Close Revolving Account with 'Closed by Consumer' Notation
Use when voluntarily closing an open credit card or revolving account to ensure it is reported as 'Closed by Consumer' rather than 'Closed by Creditor'.
Original Creditors & FurnishersRequest to Furnisher to Report Established Credit Limit
Use when a credit card issuer or lender reports your balance but leaves the 'Credit Limit' blank or reported as $0, distorting your revolving utilization ratio.
Original Creditors & FurnishersRequest to Terminate Authorized User Status and Delete Tradeline
Use when you want to be removed as an authorized user from someone else's credit card and have the entire account removed from your credit file.