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Learn How To Repair Your Credit With Our Sample Credit Repair Letters
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[Credit Report Letters](http://thecreditcode.com/main/credit-report-letters/)
Sample Letters
The following letters are guides you can use to write your own letters of dispute, requests for credit reports, etc.
Remember, don’t make copies and simply fill in the blanks. Write your own letters using these as a guide. Be concise and to the point, but include all necessary details. Remember to make a copy for yourself, and to send all letters by registered mail, return receipt requested.
Keep a log of exactly when you sent each letter, what kind of reply you received (if any), and what your next steps are. Refer to the previous chapters for instructions on how to proceed as you follow each step in repairing your credit.
Published by: Credit Repair Guru on September 13th, 2007 | Filed under [Main](http://thecreditcode.com/category/main/), [35 Credit Repair Letters](http://thecreditcode.com/category/credit_repair_letters/35-credit-repair-letters/)
[Comment now »](http://thecreditcode.com/main/credit-report-letters/#respond)
[Credit Repair Letters - Admission by Silence - Validation of Debt](http://thecreditcode.com/credit_repair_letters/35-credit-repair-letters/credit-repair-letters-admission-by-silence-validation-of-debt/)
[Admission by Silence Validation of Debt](http://thecreditcode.com/index.php?tag=admission-by-silence--validation-of-debt)
Name Address Date Account ID:
Dear [credit reporting agency](http://thecreditcode.com/index.php?tag=credit-reporting-agency),
This certified letter, receipt number: xxxxxxxxxxxx it to formally advise you that I
believe your company has violated several of my consumer rights. Specifically you: [list all that applies]
-Failed to validate a debt at my request- [FDCPA violation](http://thecreditcode.com/index.php?tag=fdcpa-violation)
-Continued to report a disputed debt to the CRA- FCRA violation
-Continued to attempt to collect a disputed debt- FDCPA violation
-Ignored my cease and desist- FDCPA violation
Not only have you ignored my prior requests for validation of debt (proof enclosed- receipt copies or letter copies) but also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following:
[Validation of Debt Request](http://thecreditcode.com/index.php?tag=validation-of-debt-request)
-Proof of your right to own/collect this alleged debt
-Balance claimed including all fees, interest and penalties
-Contract bearing my personal signature
-License proof to collect debts in my state
As you may be aware, legally means that you had a duty to defend your position but failed to do so and if my claims were untrue you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summons to court or take action against you.
I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for [validation of debt](http://thecreditcode.com/index.php?tag=validation-of-debt) I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the [fcra](http://thecreditcode.com/index.php?tag=fcra). I may seek damages from you if warranted.
Regards,
[admission by silence](http://thecreditcode.com/index.php?tag=admission-by-silence) [Admission by Silence Validation of Debt](http://thecreditcode.com/index.php?tag=admission-by-silence--validation-of-debt) [credit repair letters](http://thecreditcode.com/index.php?tag=credit-repair-letters) [credit reporting agency](http://thecreditcode.com/index.php?tag=credit-reporting-agency) [fcra](http://thecreditcode.com/index.php?tag=fcra) [FDCPA violation](http://thecreditcode.com/index.php?tag=fdcpa-violation) [frca](http://thecreditcode.com/index.php?tag=frca) [validation of debt](http://thecreditcode.com/index.php?tag=validation-of-debt) [Validation of Debt Request](http://thecreditcode.com/index.php?tag=validation-of-debt-request)
Published by: Credit Repair Guru on September 13th, 2007 | Filed under [35 Credit Repair Letters](http://thecreditcode.com/category/credit_repair_letters/35-credit-repair-letters/)
[Comment now »](http://thecreditcode.com/credit_repair_letters/35-credit-repair-letters/credit-repair-letters-admission-by-silence-validation-of-debt/#respond)
[The Fair Credit Reporting Act](http://thecreditcode.com/main/the-fair-credit-reporting-act/)
The [fair credit reporting act](http://thecreditcode.com/index.php?tag=fair-credit-reporting-act) defines the responsibilities of creditors and credit reporting agencies when dealing with consumers. This Act also ensures a consumer’s right to access his or her own credit file and guarantees the privacy of that information.
Your basic rights as a consumer under the [fcra](http://thecreditcode.com/index.php?tag=fcra) include:
The right to access all information by phone, mail, or in person (except medical information), that is contained in your credit file at any consumer reporting agency.
The right torequire a credit-reporting agency to disclose to you the nature, substance and sources of its information.
The right (if you have been denied credit, employment, or insurance because of a credit report) to know the name of the agency issuing that report.
The right, if you have been denied credit within the past thirty days as a result of a credit report issued by a credit reporting agency, to obtain a free copy of that report.
The right to appear in person to review your file.
The right to dispute information in your credit report, and to have that dispute investigated within 30 days.
The right to have inaccurate or erroneous information deleted from your credit file.
The right to require the credit bureau to delete from your credit files any information that it cannot verify within 30 days.
The right to require the credit bureau to update information to anyone who has received your credit file.
The right to know who has been furnished a copy of your credit report during the past six months.
The right to know the names of everyone who has been furnished your credit report during the past two years.
The right to include a consumer statement in your credit report.
The right to have negative credit information deleted from your credit report after the statutory time limit for reporting such information has expired.
The right to sue a credit reporting agency.
The right to be notified by anyone requesting an investigative consumer report on you of the nature and substance of the investigation.
[consumer statement](http://thecreditcode.com/index.php?tag=consumer-statement) [credit bureau](http://thecreditcode.com/index.php?tag=credit-bureau) [credit report](http://thecreditcode.com/index.php?tag=credit-report) [credit reporting agency](http://thecreditcode.com/index.php?tag=credit-reporting-agency) [credit reports](http://thecreditcode.com/index.php?tag=credit-reports) [fair credit reporting act](http://thecreditcode.com/index.php?tag=fair-credit-reporting-act) [fcra](http://thecreditcode.com/index.php?tag=fcra)
Published by: Credit Repair Guru on September 13th, 2007 | Filed under [Main](http://thecreditcode.com/category/main/), [Your Credit Rights](http://thecreditcode.com/category/your_credit_rights/)
[Comment now »](http://thecreditcode.com/main/the-fair-credit-reporting-act/#respond)
[Your Credit Rights And The Laws That Protect You](http://thecreditcode.com/main/your-credit-rights-and-the-laws-that-protect-you/)
What Are My Rights?
Before we move ahead too far, it’s important that you understand your rights as a credit consumer.
The key to repairing your credit is the Consumer Credit Protection Act.
Enacted by Congress to protect consumers from unfair credit practices, the CCPA also regulates the activities of credit reporting agencies, collection agencies, and creditors.
It prevents credit discrimination and includes other protective features.
The Consumer Credit Protection Act contains four important sections:
1) [The Fair Credit Reporting Act (FCRA)](http://thecreditcode.com/index.php?tag=the-fair-credit-reporting-act-%28fcra%29)
2) [The Fair Credit Billing Act](http://thecreditcode.com/index.php?tag=the-fair-credit-billing-act)
3) [The Fair Debt Collection Practices Act](http://thecreditcode.com/index.php?tag=the-fair-debt-collection-practices-act)
4) [The Equal Credit Opportunity Act](http://thecreditcode.com/index.php?tag=the-equal-credit-opportunity-act)
[credit repair](http://thecreditcode.com/index.php?tag=credit-repair) [credit report](http://thecreditcode.com/index.php?tag=credit-report) [credit rights](http://thecreditcode.com/index.php?tag=credit-rights) [ecoa](http://thecreditcode.com/index.php?tag=ecoa) [fdcpa](http://thecreditcode.com/index.php?tag=fdcpa) [frca](http://thecreditcode.com/index.php?tag=frca) [The Equal Credit Opportunity Act](http://thecreditcode.com/index.php?tag=the-equal-credit-opportunity-act) [The Fair Credit Billing Act](http://thecreditcode.com/index.php?tag=the-fair-credit-billing-act) [The Fair Credit Reporting Act (FCRA)](http://thecreditcode.com/index.php?tag=the-fair-credit-reporting-act-%28fcra%29) [The Fair Debt Collection Practices Act](http://thecreditcode.com/index.php?tag=the-fair-debt-collection-practices-act)
Published by: Credit Repair Guru on September 13th, 2007 | Filed under [Main](http://thecreditcode.com/category/main/), [Your Credit Rights](http://thecreditcode.com/category/your_credit_rights/)
[Comment now »](http://thecreditcode.com/main/your-credit-rights-and-the-laws-that-protect-you/#respond)
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[Credit Report Letters](http://thecreditcode.com/main/credit-report-letters/) [Credit Repair Letters - Admission by Silence - Validation of Debt](http://thecreditcode.com/credit_repair_letters/35-credit-repair-letters/credit-repair-letters-admission-by-silence-validation-of-debt/) [The Fair Credit Reporting Act](http://thecreditcode.com/main/the-fair-credit-reporting-act/) [Your Credit Rights And The Laws That Protect You](http://thecreditcode.com/main/your-credit-rights-and-the-laws-that-protect-you/)
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