PART 1: Letters Directly to Creditors and/or Collection Agencies

Part 1 – Letter 1 (Send directly to the bank or agency that reported a derogatory/erroneous or collection item to the credit bureaus)

Part 1 – Letter 2a (Send this letter only if you receive a letter back from a creditor in reply to letter # 1, saying your account was verified as “legitimate”)

Part 1 – Letter 2b (Send this letter only if you do not hear back from the creditor in reply to letter #1)

Part 1 – Letter 3 (This letter is more aggressive. You can send this if you want to skip letters #2a or 2b and go hard on removal, or you can be nicer and wait to see what happens after sending letter #2a or 2b – it is up to you. IMPORTANT: At minimum you must wait until 31 days after letter #1 was delivered and signed for, and then you must verify that they have not marked the disputed item as “disputed” on your credit reports)

Part 1 – Letter 4 (Send this settlement letter if the creditor is not complying and you have filed a small claims lawsuit)

PART 2: Letters Directly to Credit Bureaus

Part 2 – Letter 1 (This is your original dispute with the credit bureaus directly – Send this if you have not had success with the letters in Part 1)

Part 2 – Letter 2a (Send this if you receive a letter back from the credit bureau, saying your account was verified as “legitimate”)

Part 2 – Letter 2b (Send this letter to the credit bureau if you do not get any response from letter #1)

Part 2 – Letter 3 (Send if you have not heard back from the credit bureau, or if they have continued to “verify” the item without proof)

PART 3: Skip the Trip to the Post Office

Send your letters online without any visits to the post office: OnlineCertifiedMail.com/step1.php
Just upload the PDF letters you create using the Automator, and away they go!