Part 1, Letter #1

Disputing Inaccurate, Unfair, or Unverifiable Derogatory Items (Sent to Bank or Agency)

This letter is used when you want to challenge a derogatory or collection item that has been reported on your credit report by a bank, agency, or creditor. If the information is inaccurate, unfair, or unverifiable, this letter helps you request its removal or correction.

Send this letter directly to the bank or agency that reported the item to the credit bureaus. By doing so, you're giving them the opportunity to investigate and correct any errors, which can help improve your credit score and protect your financial standing.

After your purchase, you will receive this letter along with detailed instructions on how to use it.