Jazzy Mac's Credit Boosting Templates

For
Collections, Charge Offs, Inquiries & Medical Debt Notices
(EDITABLE TEMPLATE)

How to Use this Template:

1. This document contains templates I have used for Collections, Charge-Offs, Inquiries,
Late Payments, and Medical Collections.
2. Fully watch my Collections & Dispute Letter videos to get a full understanding of the
dispute process & letters.
3. This document includes templates for medical collections (not reported on credit) and
for Collections, Charge Offs & Inquiries that ARE reported on credit. Use the
appropriate template. Addresses for each bureau are on the last page of this
document.
4. I HIGHLY recommend hand-writing your letters (so your letter is read by a human).
If you prefer NOT to handwrite your letters, it is your choice to edit this template as
needed and use it as your dispute letter where appropriate. Just remember to delete
this page and properly remove unneeded info.
5. ONLY dispute a maximum of 5 collection/charge off/inquiries per credit bureau,
per month. If you do more than 5, you can be labeled “frivolous” and your disputes will
not be evaluated.
6. Navigate to www.AnnualCreditReport.com or Experian (free trials available) to get
your most recent, accurate 3 bureau credit reports.
7. Identify any Collection Accounts, Charge Offs, unrecognizable Credit Inquiries,
or inaccurate Personal Information that needs to be updated. You may delete old
addresses, names, or any outdated info (this is the only portion I would recommend
doing online. All the other disputes should be MAILED for optimal results based on
my experience).
8. List out the Collection/Charge Off accounts or inquiries you are disputing. Be sure
to include the partial account numbers (1234XXXXX, etc.) exactly as they appear
on your credit reports.
9. Send a separate letter to each credit bureau. Ensure each of your letters has
signature and delivery tracking on them. Each credit bureau can contain different
account information/statuses. Addresses are on page 6.
10. You may use the Round 1 template for your first round of disputes. If you disputed
collections, or Charge Off’s and the credit bureaus say those accounts have come
back “Verified” or “Validated” you can send them the Round 2 template. You may also
review the Dispute Credit Roadmap PDF to know when to file a complaint with the
CFPB, if your first 2 rounds of letters do not result in deletions for collections with
illegal fees.
11. I make no guarantees that your credit will improve as there are so many other
factors involved in credit algorithms. However, this is the method that I used to help
me get to the 800 club, along with other good credit habits. 
12. Questions? This is a self-paced, DIY template. 1:1/email/phone support is not
available, and I do not provide credit restoration services. However, there are
many videos on my YouTube channel that can guide you. Please also look through
the YouTube comments for any questions you may have.
13. I am not an attorney or financial advisor so please review your state and local laws or contact a
consumer attorney for legal questions or financial questions.
14. These templates are NOT useful for lawsuits, court summons, or any other legal or judicial
proceedings or threat of proceedings. Please contact an attorney if a collection agency or
creditor has threated to sue you.
 ROUND 1 DISPUTE LETTER (DELETE BEFORE SENDING)

*Write Letter to Credit Bureaus in Red or Blue Ink only. (Do not use Black ink for your letters!)
DELETE this section before sending off letters!!*

YOUR FULL NAME

ADDRESS
CITY, STATE & ZIP

CREDIT BUREAU NAME (Addresses listed below)

ADDRESS
CITY, STATE & ZIP

Today’s Date
Dear Experian / Equifax / or TransUnion, (Do a separate letter for each Bureau)
I am writing to you because I have recently reviewed my credit report & I found several discrepancies in
the below accounts you are reporting.

Please fully validate the reported information below and remove anything that you cannot provide
signed, original contracts for that correlates to the accounts in question.

1. Account Name: [Enter Account Name Here]

Account Number: 1234XXXX Amount:

2. Account Name: [Enter Account Name Here]

Account Number: 1234XXXX Amount:

3. Account Name: [Enter Account Name Here]

Account Number: 1234XXXX Amount:

4. Credit Inquiry Name: [Enter Account Name Here]

Account Number: 1234567894 Date:

5. Account Name: Judgement/ COURT HOUSE NAME.

Case Number: 156789-LCRD...
Do not include the Judgement or Court House section if not applicable to you. This should only be disputed
if you believe an error occurred & the judgement was placed on your credit by mistake.

(Only dispute a max of 5 accounts per month!) *REMOVE THIS LINE BEFORE SENDING*

You are required to fully verify the above disputed items within 30 days, or you must delete the items from
my credit report. You are required to do this under the FCRA 609/611 provisions. Also, I would like an
updated copy of my credit report once this investigation is complete.

Thank you,

(Your name) PRINT your name

 ROUND 2, DISPUTE LETTER #2 (DELETE BEFORE SENDING)

*Write Letter to Credit Bureaus in Red or Blue Ink only. (Do not use Black ink for your letters!)
DELETE this section before sending off letters!!*

YOUR FULL NAME

ADDRESS
CITY, STATE & ZIP

CREDIT BUREAU NAME (Addresses listed below)

ADDRESS
CITY, STATE & ZIP

Today’s Date
Dear Experian / Equifax / or TransUnion, (Do a separate letter for each Bureau)
I am writing to you because I have recently reviewed my credit report & I found several discrepancies in
the below accounts you are reporting.

I previously requested that you provide original contracts for the items that I previously disputed that are
listed below. I have reason to believe they have illegal collection fees not explicitly agreed to or
expressed in my original contract with the original merchant.

Please DELETE any accounts that you cannot provide the original contracts for that show the lawful
collection fee amount.

-Account Name: [Enter Account Name Here]

Account Number: 1234567891 Original Merchant Balance Amount: Collection Balance:

-Account Name: [Enter Account Name Here]

Account Number: 1234567892 Original Merchant Balance Amount: Collection Balance:

-Account Name: [Enter Account Name Here]

Account Number: 1234567893 Original Merchant Balance Amount: Collection Balance:

-Account Name: Judgement/ COURT HOUSE NAME.

Case Number: 156789-LCRD...
Do not include the Judgement or Court House section if not applicable to you.

(Only dispute a max of 5 accounts per month!) *REMOVE THIS LINE BEFORE SENDING*

You are required to fully verify the above disputed items within 30 days, or you must delete the items from
my credit report. You are required to do this under the FCRA 609/611 provisions. Also, I would like an
updated copy of my credit report once this investigation is complete.

Thank you,

(Your name) PRINT your name

 HIPAA Request to Validate Medical Debt – Letter to Collection Agency
Send this letter with Signature Confirmation tracking at UPS, FedEx or USPS.
Only send this letter to Collection Agency (not the credit bureau) after you receive a collection
notice. Delete this section before sending!!

[Your name]
[Your address]
[Address of collection agency]
[Date]

Amount of debt: [ ]
Date of Service: [ ]
Provider of Service: [ ]

Dear collection agent,

I received a bill from you on [date] and as allowed under the Fair Debt Collection Practices
Act (FDCPA), I am requesting that you allow me to validate the alleged debt. I am unaware of
a debt from [name of hospital/doctor], and I am unaware of the amount due and your bill does
not include a breakdown of any fees.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act
(HIPAA) to protect my privacy and medical records from third parties. I do not recall giving
permission to [name of provider] for them to release my medical information to a third
party. I am aware that the HIPAA does allow for limited information about me but anything
more is to only be revealed with the patient’s authorization. Therefore, my request is twofold
—validation of debt and HIPAA authorization.
 Please provide breakdown of fees including any collection costs and medical charges.
 Provide a copy of my signature with the provider of service to release my medical
information to you.
 Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified
mail, as my formal debt validation request, which I am allowed under the FDCPA. I request
full documentation of what you received from the provider of service in connection with this
alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to
validate it may be a violation of the Fair Credit Reporting Act, which can allow me to
seek damages from a collection agent. I will await your reply with above requested proof.
Upon receiving it, I will correspond back by certified mail.

Sincerely,
[Your Printed Name]
 Late Payment Good Will Adjustment Letter (Delete before
sending)

[your name]
[your address] Account Number: [your account number]

[date]

To Whom It May Concern:

Thank you for taking the time to read this letter. I’m writing because I noticed that my
most recent credit report contains [a late payment/payments] reported on [date/dates]
for my [name of account] account.

I want you to know that I understand my financial obligations, and if it weren’t for
[circumstance that caused you to miss a payment], I’d have an excellent repayment
record. I made a mistake in falling behind, but since then, [description of how your
circumstances have changed or how you’ve improved your money management].
Since then, I’ve had a spotless record of on-time payments.

I’m planning to apply for [a mortgage/auto loan/etc.], and it’s come to my attention
that the missed payment on my record could hurt my ability to qualify. I truly believe
that it doesn’t reflect my creditworthiness and commitment to repaying my debts. It
would help me immensely if you could give me a second chance and make a goodwill
adjustment to remove the late [payment/payments] on [date/dates]. As an act of
goodwill on my end, I will enroll in AutoPay to ensure I never miss a payment again.

Thank you for your consideration, and I hope you’ll approve my request.

Best,
[your name]
 Jazzy Mac's Credit Boosting Letters

Mailing addresses for each credit bureau are below.

***For medical debt disputes that are not on your credit, that you just received a notice for, mail the
HIPAA letter to the collection agency address. This is ONLY for medical collection accounts that are
NOT on your credit. If they ARE on your credit report, follow the Credit Roadmap.

(Remember to send as Certified Mail with a Return slip! )

Equifax Information Services, LLC

P.O. Box 740256
Atlanta, GA 30374]

Experian
P.O. Box 4500
Allen, TX 75013]

TransUnion LLC
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016]

If you have any questions, leave a comment on any of the YouTube videos!