On the other hand, if you realize the debt isn't yours or find errors in it, you must dispute it within 30 days. The CFPB provides formatted letter templates to help you write a letter to a ...

A goodwill letter explains why you had a late payment and asks the creditor to take it off your credit reports. Use our downloadable template to ... medical debt or other major financial events ...

This letter should include: Your personal information and the account number in question A clear statement that you dispute the debt Request for original creditor information and documentation of ...

A paid-for template isn’t any better ... Nor will it eliminate existing debt that you cannot pay or stop collection calls. A ...

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The FDCPA establishes clear timelines that must be followed when you dispute a debt with a debt collector. According to ...