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      <title>DisputeValet.com — Self-Help Credit Dispute Software</title>
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      <description>DIY credit-dispute software for individuals. 81 FCRA-aligned dispute letter templates, browser-based privacy, $20/mo. Cancel anytime. Individual results vary.</description>
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    <title>Medical Collection Dispute Letter Template (NCAP 2023)</title>
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    <description>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.</description>
    <pubDate>Sun, 14 Jun 2026 12:00:00 GMT</pubDate>
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