The template library
Templates you do yourself
Let's be straight about what this is: we don't fix credit, and nobody here disputes anything for you. What we sell is the words — fill-in PDF templates you download, edit, print, and mail yourself. Your situation, your signature, your paper trail.
Prefer a company do the whole thing instead? That's what the two partner services on our comparison page are for. This page is for the do-it-yourselfers.
How it works
Pick your template
Choose from the library below — or describe a custom one and we'll build it for your exact situation.
Download, edit, print
Every template is a clean PDF with fill-in fields. Type or write in your facts, in your own words.
Mail it yourself
Send it certified mail, keep copies of everything, and let the bureau's 30-day clock work for you.
Two ways to buy
Templates Unlimited
$9.99 /month
- Unlimited downloads of every template in the library
- Custom template requests included — describe it, we produce it within 24 hours
- Every new template we add, included automatically
- Cancel anytime
Single template
$0.99 one time
- One template — your choice: a stock download from the library, or one custom template produced for your exact situation
- Custom singles are delivered within 24 hours, same as members
- No subscription, no catch
Checkout runs through Stripe — we never see your card. After checkout you'll land on the download page. Both options include custom production: every custom template is built for your exact situation — that's why we take a full 24 hours. Your request is drafted, reviewed, and fact-checked against the actual credit rules before it reaches you.
The library
Bureau Dispute Letter — FCRA reinvestigation request
The core letter. Dispute an inaccurate, incomplete, or unverifiable item with a credit bureau and demand a reinvestigation under the Fair Credit Reporting Act (15 U.S.C. § 1681i). Fill-in fields for the account and your facts, step-by-step sending instructions, and all three bureaus' published dispute addresses.
The library opens with our most-used letter. New templates are added as they're built and fact-checked — and anything not stocked yet, the custom service below covers.
Need a template we don't stock?
Tell us the exact response you're making — a bureau that brushed off your dispute, a collector who won't validate a debt, a furnisher reporting the wrong balance — and we produce the letter for that situation. Members: custom requests are included in your $9.99/month. Single buyers: one custom template is your $0.99 purchase (pay first, or use the form and we'll point you to checkout).
Your template arrives within 24 hours. Every custom template is built for your exact situation — that's why we take a full 24 hours.
Templates are educational documents, not legal advice, and buying one does not hire a credit repair service — we don't send letters, make calls, or dispute items for you. No template can promise a score change; what changes scores is accurate reporting, and these letters exist to demand exactly that. Prefer to talk it through first? Call or text us at +1 (669) 240-7892.