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Identity Theft Block Letter Template (FCRA §605B)
Under FCRA §605B, a credit bureau must block any item resulting from identity theft within 4 business days of receiving a valid identity-theft report. This is faster and more powerful than a §611 dispute when fraud is the cause. Template + the required documentation checklist.
Medical Collection Dispute Letter Template (NCAP 2023)
The 2022-2023 Nationwide Consumer Assistance Plan (NCAP) updates changed how the three credit bureaus report medical collections. Paid medical collections must be removed. Unpaid medical collections under $500 must be removed. All medical collections wait 12 months past delinquency (was 6) before reporting. The dispute letter that invokes these rules.
Method of Verification Letter Template (FCRA §611(a)(7))
After a §611 dispute comes back "verified," the MOV letter forces the credit bureau to disclose exactly how they verified — the furnisher name, address, telephone number, and the procedure used. Bureau has 15 days to respond under §611(a)(7).
Mixed File Dispute Letter Template (FCRA §611)
A mixed file is when another person's accounts, inquiries, or public records show up on your credit report — usually because of similar names, shared addresses, or a clerical error at the bureau. The mixed-file dispute letter under FCRA §611 forces the bureau to separate the files and remove the foreign items.
Pay-for-Delete Letter Template (Collection Account)
A pay-for-delete letter offers a debt collector full or partial payment in exchange for deleting the tradeline from your credit report. Not statutory — the agreement must be in writing before any money changes hands. Template + the negotiation framing that historically works.
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