This letter is used to respond to a demand for payment from a creditor. It explains why further payment has not been made.

The purpose of this letter is to respond to a demand letter sent to you by a creditor regarding your account, promissory note, or agreement. This is your opportunity to explain why the demand for payment is incorrect. You might explain, for example, that the balance is incorrect, a discount was not honored, payment has been made, or the invoice was never received because of a change in address.

Your rights as a debtor may be governed by the Fair Debt Collection Practices Act and your state's own collection guidelines. If you have any questions about the applicability of these requirements to you, consult your lawyer.

Attach copies of returned checks, payment records, and any other documentation which supports your claim that the balance as stated in the demand letter is incorrect. If you have documentation to support your claim for a discount, attach it to this letter. If you have a copy of a returned check in payment of the amount owed, it is helpful to attach it also. Do NOT send original documents.

When you apply for a loan, you must share sensitive personal data with the potential lender. Use this letter to request that your credit report and other personal data be returned to you or destroyed so that it can't end up in the hands of an identity thief.

Lenders frequently request a copy of your credit report and other personal data to assist in determining whether they should extend credit to you. A lender may be a bank, credit card company, merchant, or other business that extends credit as part of its business. The lender will use the credit report and other personal data in the process of deciding whether or not to extend credit. If you are given credit, the lender may wish to maintain the copy for an extended period of time for its possible value in collecting the loan or credit that has been extended to you. As time passes and the information in the credit report becomes more dated, the lender will have less of a need for the report.

At whatever point the lender has no further use for the report, and it may be difficult to know when this occurs, you should request that the report be sent to you or destroyed so that it does not end up in a trash receptacle or other public area to be picked up by an identity thief. To help you estimate when to request the report, use these guidelines. If credit is denied, request the report immediately at the time of denial. If credit is extended, then wait approximately six months to request the report.

When requesting that the report be destroyed or returned, briefly explain why the report was needed and what it is that you want the lender to do.

If an identity thief purchases products on credit using your name and fails to make payment, you will likely have one or more collection agencies contacting you for payment. This letter should be used to inform the collection agency that you have been a victim of identity theft and that you should not be required to pay for the purchases. Send copies of proof that may be needed to show that identity theft has occurred.

Note You should contact the collection agency immediately and use this letter as a followup. However, if you choose not to call first, this letter can be used as a first contact with the collection agency.

This notice is used to request the cancellation of a credit card.

The Request to Cancel Credit Card is used to request the cancellation of a credit card. It may be a cancellation request for your credit card or you may be making the request on behalf of someone else, for example, on behalf of a card holder who has died.

This letter is used to request the cancellation of a credit card account that was opened in your name by an identity thief without your consent.

Note You should contact the credit card company immediately and use this letter as a followup. However, if you choose not to call first, this letter can be used as a first contact with the company.

The Notice to Creditors is a written request to creditors of an estate to present their claims to the personal representative of the decedent.

This Notice to Creditors is sent by the Attorney or the Personal Representative of the deceased person's estate. The Notice provides all interested parties the chance to notify the Personal Representative of their claim against the remaining assets of the estate or appear in court and present their claim. The Notice is typically published in the official county newspaper for the county where the probate is filed.

This Notice is published to ensure that all unknown creditors have an opportunity to present their claims to the estate.

This letter is used to request a copy of a credit report file from a credit bureau.

If you have been denied credit or if other adverse actions regarding your credit have been taken based on your credit report, you may want to obtain a copy of your credit report and verify the information contained in it.

The purpose of the Request for a Credit Report letter is to assist you in obtaining a copy of your credit report, particularly if you have been denied credit, employment or insurance within the last 60 days.

The credit report tells how you have managed credit in the past and companies examine your credit report before deciding whether to give you new credit. You can request a copy of your credit report by sending a letter to a credit reporting bureau.

When you receive your credit report you should carefully review it. You have the right to respond to a negative entry on your report, to have errors corrected, or to have your response made part of your credit report.

The purpose of this letter is to correct an unauthorized change to your mailing address. If you discover that your credit card statement is being sent to another address that you have not authorized, you need to correct the problem immediately by contacting your credit card company. An unauthorized change to your mailing address may be indicative of identity theft and, as such, you should review your statement very carefully for unauthorized charges or transactions.

This letter is used to communicate with your credit card company to cancel your credit card account because you are unsatisfied with the new terms of your account.

Credit card companies periodically change the terms of your account. The changes generally take place automatically unless you do something to stop them. The Letter to Cancel a Credit Card because of Poor Terms allows you to notify your credit card company that you are unsatisfied with the new terms and directs the company to cancel your account. Some credit card companies will negotiate the terms.

This is most likely to occur over an annual fee charge. Many credit card companies will waive the fee rather than lose your account. You may also want to cancel your account or attempt to negotiate over other changes in the terms of your account, such as an increase in the interest rate or a change in your credit limit.

Be sure to check your credit card agreement for the credit card company's rights after you close the account. By law, the company can not charge an annual fee if you notify them of your intent to close your account within the time specified in the notice. If you attempt to use the card after the cancellation date, however, most credit card companies provide that such use constitutes acceptance of the new terms.

If you intend to cancel the card, be sure not to later attempt to use it. If you have an outstanding balance at the time that you cancel the credit card, the credit card company may be able to charge you a different rate if it is specified in your agreement or in the notice of changed terms.

This letter can be sent to a credit card company to refuse charges on your credit card account.

Where appropriate, send a copy, not the original, of the statement and/or receipt to the card Issuer. Keep copies of all correspondence with the Issuer, including copies of statements and receipts. You may need to refer to them later or may need to send additional copies to the Issuer if you do not receive a prompt response to your inquiry.

Be Careful with Your Credit Card Number Take care not to let others see or hear your credit card number. Most merchant receipts don't show your full credit card number. However, you should destroy and dispose of receipts statements and oldstyle carbon charge slips that do contain your full number or imprint of your credit card. Never give your card number over the telephone unless you initiated the transaction with a reputable company. If you have questions about a company, check with the local consumer protection office or Better Business Bureau before ordering.

This letter allows you to request the reasons why your application for credit was denied or why your existing account was terminated. You may also use this letter to correct any incorrect information which has caused an unfavorable change in your account.

If your application for a loan or purchase of items on credit has been denied, you can request the reasons for the denial. Further, if unfavorable action is taken regarding an existing account, you can request the reasons related to such action. You must make this request within 60 days of receiving a denial of credit or notice of other adverse action.

The lending institution or entity extending credit must disclose the nature of the adverse information. The lending institution is generally required to respond to your request within 30 days of receiving it.

The lending institution should give you sufficient information to allow you to verify the accuracy of the adverse information. If the information is incorrect, you may use this letter to advise the lending institution of the correct information.

This letter can be used to make a written complaint to the Better Business Bureau BBB about a company's policies or practices for handling customer lists or other information such as personnel or legal records that may have contributed to the cause of an identity theft incident.

This letter can be used to make a written complaint to the Better Business Bureau BBB about a company's policies or practices for handling customer lists or other information such as personnel or legal records that may have contributed to the cause of an identity theft incident.

Note You should contact the company that is the subject of the complaint first, and use this letter as a next step if the company is unresponsive to you. Prior to sending this letter to the BBB, you may wish to call first to find out if there is any specific documentation that should be submitted with your request. Generally, you should contact your local office of the BBB. To find the office nearest you, go to the BBB's web site at www.bbb.com.

You may also wish to send a similar letter to the attorney general's office for your state see Attorney General Complaint.

The purpose of this letter is to allow you to dispute unauthorized charges made to your credit cards. If you call the company first to provide your information by phone, you can use this letter to confirm your information.

This letter provides notice to the credit card company that there is unauthorized activity on your card and that you should not be held responsible for those charges. Under the Fair Credit Billing Act you should contact the credit card company within sixty 60 days of receiving the statement with the unauthorized activity. There may be other important information in the fine print on your statement that explains procedures that you should follow.

When you receive a credit card statement you should carefully review it for possible errors or fraudulent activity. If there are charges on the credit card that were not authorized, then you should dispute them by sending this letter to the credit card company.

This Debt Settlement Agreement is a contract used to finalize negotiations between debtors and creditors. It defines the amount owed and the date by which payment will be made.

A Debt Settlement Agreement can be used to define settlement terms between businesses or individuals. The Debt Settlement Agreement defines the original amount owed, the final amount to be paid as agreed by all parties, and the last date for payment to be made. Optional sections in this agreement cover liability and confidentiality as well.

This letter is used to correct an unfavorable entry in a credit report file, or to add an explanation to the file regarding the unfavorable entry.

PLEASE NOTE To complete your credit report challenge request, you will need to print and mail or fax the Credit Report Challenge letter you create.The purpose of this letter is to challenge or explain an unfavorable entry in your credit report.

When you receive your credit report, you should review it carefully for any mistakes and information that is more than seven years old ten years for bankruptcy. If you do not understand something, ask. The credit bureau staff is required by law to explain your report to you.

Correcting Mistakes If there is a mistake or you wish to challenge an incorrect entry in your credit report, use this Challenge to a Credit Report letter. You have a right to have your response to a negative entry on your report made part of your credit report. Usually the credit bureau will advise you to contact the party that provided the negative information directly.

If there are mistakes, you can take the following actions 
Notify the credit bureau of the problem by using this letter. Provide as much information as you can about what is wrong with the report. The credit bureau must investigate the disputed information at no charge to you. The credit bureau must correct any mistake or delete any information it cannot verify. It may be helpful to contact the creditor directly to ensure that the creditor's records are correct. If the above steps do not resolve the problem, you can file a written statement of up to 100 words with the credit bureau providing your explanation of the problem. This explanation will be included in your credit report.

Copy of the Credit Report If possible, provide the credit bureau with a copy of the actual credit report, identifying the incorrect or challenged entry. There are instances in which you may not have a copy of the report. In such cases, identify the parties, the nature of the account, the outstanding balance on the account, and the nature of your complaint so that it can be easily identified.Respond to the negative entry in your credit report file by explaining why the entry is incorrect. For example, explain that the outstanding balance is incorrect or payment has already been made. Provide all information which might be relevant and useful to the credit bureau when investigating your complaint.

A Credit Freeze, also called a Security Freeze, completely shuts down access to your credit history. Placing a Credit Freeze requires a written request to each credit bureau, and each has slightly different requirements. Our simple interview process will automatically generate all three request letters for you.

The most recent weapon in the war to protect your credit is the Credit Freeze, also called a Security Freeze. A Credit Freeze completely shuts down access to your credit history. You are given a PIN to access your credit history. If you want to provide access for a new loan or job application that requires a credit check, for example you can thaw your credit history for a specified period of time.

The nature of the Credit Freeze means that it will make getting credit much more difficult not only for any potential fraud, but for you as well. Fees can be involved both to establish the freeze and each time you need to thaw it. So, the Credit Freeze is not perfect for all consumers, but it promises to be the best method of preventing abuse of your good credit.

Placing a Credit Freeze requires a written request to each credit bureau, and each has slightly different requirements. Our simple interview process will automatically generate all three letters for you.

Note The Credit Freeze is now available to all consumers in all states. In most states victims of Identity Theft can utilize this defense at no cost.

Use this letter to notify a credit card company that your credit card has been lost or stolen.

This letter can be used to contact a credit card company about a credit card that has been lost or stolen. You should include details regarding your credit card, including the card name, account number, expiration date, and the date the card was lost or stolen.

This letter allows you to request a replacement credit card. You can also ask the credit card company to contact you if any charges were made to your account on or after the date the card was lost or stolen.

This letter is used to challenge a charge on a credit card statement that is not recognized or that is incorrect. It may also be used to complain about the quality of merchandise or services received.

If you find a charge on your statement that you do not recognize, first recheck your records to see if it is a charge about which you may have forgotten. For this reason, it is a good idea to keep a copy of all credit card receipts until those charges appear on your statement. Also, check to see if you've made any telephone or mail order charges.

Ask others who have access to your account whether they authorized the charge. Also, check to see if the amount and date of the charge is familiar, even if you do not recognize the city or the merchant's name. Some companies bill under a different name or from a central location.

Contacting the Company If you still do not recognize the transaction and suspect an error, or if you have a dispute with a merchant over the quality of merchandise or services, write the credit card company.

Federal law provides specific rules that the card issuer must follow in responding to suspected billing errors. The card issuer provides a statement describing these rules when the account is opened, and additional notices at least once per year. Many card issuers print a summary of your rights on each monthly statement.