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I found this at www.freecreditfixes.com and thought you might like it: Article: Sample Letter Index Credit Report Request For use when requesting your credit report from the Credit Bureaus. Credit Report Request--Denied Credit in Past For use when requesting your credit report from the Credit Bureaus and you have been denied credit within the past 30 days. Letter to Opt Out of Personal Information Release For use when requesting your personal information not be released for marketing purposes. Request For Removal Of Outdated Entries Start with these items first, since they are the easiest to have removed.  Negative entries may only remain on your credit report for 7 years and bankruptcies for 10 years. Make sure they ARE removed, since the credit bureaus will not always do so on a timely basis.  They have approximately 30 days to respond, so be on the lookout for a new copy of your Credit Report in the mail! Submission of Dispute Try disputing ALL negative entries.  If they cannot be verified, they MUST be removed.  The creditors have 30 DAYS to respond to the credit bureau’s investigation.  If they do not, the item MUST be removed.  If you do not hear back from the Credit Bureau, FOLLOW UP.  The Credit Bureaus are usually right on time, but, just in case, keep track of when you send letters and when you receive their responses! (Note: I’ve never had to follow up. They’ve always responded back promptly.) You can combine this letter with the one above if you have both items to be disputed AND outdated entries. Follow Up of Submission of Dispute The creditors must respond to the credit bureau within 30 days. If you have not received an answer from the credit bureau...pursue! (Again, I’ve never had to.) 2nd Follow Up of Submission of Dispute Send if the Credit Bureaus haven’t responded after the first follow up. Request For Reinvestigation Of Disputed Item Should the item you disputed NOT be removed and you KNOW it is inaccurate, request a reinvestigation and the name and address of the person who provided the verification to the credit bureau, so that you may follow up with them. Request For Removal of Unauthorized Inquiries Letter to the Credit Bureaus to remove unauthorized credit inquiries. Settlement Agreement Letter/Agreement to use when negotiating directly with a Creditor. Statement Of Dispute To Be Included With Your Credit Report If the negative entry IS accurate, but there were extenuating circumstances that you wish future creditors to be aware of, submit a “Statement of Dispute”.  This statement will be attached to your credit report and remain as long as the negative entry does.  (Note:  When the negative item is finally removed, double-check that the statement has been removed as well.  If not, write in and request that it be deleted.) DOWNLOAD Sample Letters  (PDF Version) Collection of all the above letters in one file. DOWNLOAD the Arin’s Attic: Credit Repair Correspondence Tracker A very simple spreadsheet designed to help you track your correspondence. DOWNLOAD the Arin’s Attic: Simple Monthly Budget A simple monthly budget to help you stay on track and make sure that your bills are paid ON TIME! http://www.freecreditfixes.com/index.php/creditrepair/articles/sample_letter_index/