All Articles — Page 2
Does Paying Collections Help Your Credit Score?
Whether paying a collection helps depends on the scoring model — older ones count it, newer ones ignore paid collections. Read this before you pay.
How to Dispute Hard Inquiries on Your Credit Report
How to remove hard inquiries from your credit report: you can dispute and remove ones you did not authorize — authorized ones stay two years. How to tell them apart and challenge the rest.
What Is a Charge-Off on Your Credit Report?
What is a charge-off on your credit report? An accounting write-off, not debt forgiveness — you still owe it. Learn what it means, how long it stays, and when you can dispute one.
How to Dispute a Late Payment on Your Credit Report
Dispute a late payment on your credit report — challenge it under FCRA §611 when it is inaccurate, or send a goodwill letter when it is accurate.
Section 611 Dispute Letter Template (FCRA §611)
The exact FCRA §611 language to cite, a fill-in-the-blank sample letter, the 30-day timeline, and mistakes that get a 611 letter dismissed.
FCRA Section 605B: Block Identity-Theft Items in 4 Days
FCRA §605B requires bureaus to block fraud-caused items within 4 business days of a valid identity-theft report — faster than a §611 dispute.
Identity Theft Block Letter Template (FCRA §605B)
FCRA §605B — bureau must block identity-theft items within 4 business days of a valid report. Faster than §611 disputes. Template and required documentation.
Goodwill Letter Sample & Template (Late-Payment Removal)
Goodwill letter asks the creditor to drop a late payment as a courtesy. No statute forces it — framing matters. Template, timing, and common mistakes.
Direct Dispute Letter Template (FCRA §623)
Direct dispute letter under FCRA §623(a)(8) goes straight to the furnisher, bypassing the bureaus' automated e-OSCAR verification.
Credit Bureau Dispute Letter Template (FCRA §611)
Credit-bureau dispute letter under FCRA §611 — 30-day reinvestigation of inaccurate or unverifiable items. Template, bureau addresses, and common mistakes.
Your 90-Day DIY Credit-Dispute Journey Walkthrough
A step-by-step DIY credit-dispute timeline. Use DisputeValet.com's FCRA-aligned templates and analytics to file your own disputes over 90 days. Results vary.
Medical Collection Dispute Letter Template (NCAP 2023)
NCAP (2022-2023) removes paid medical collections and unpaid ones under $500, and extends the reporting wait to 12 months. Template that invokes these rules.
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