FreeCreditBot Academy · Letter recipes
Recipes
Pick your situation. Follow the playbook.
Each recipe is a complete cluster — dispute letters, bureau response scripts, step-by-step playbooks, and FAQ with schema.org markup. Copy, fill in, and send.
// recipe 01 — liveMedical Debt Removal
Dispute medical collections, negotiate hospital bills, HIPAA removal, and the $500 threshold.
12 pages →
// recipe 02 — liveCollections Dispute
Validate, dispute, and negotiate general collection accounts under the FDCPA.
guide + templates →
// recipe 03 — liveLate Payments
Correct reporting errors, request goodwill, and rebuild positive payment history.
complete guide →
// recipe 04 — liveHard Inquiries
Review authorization, secure your reports, and dispute unsupported inquiries.
complete guide →
// recipe 05 — liveCharge-Offs
Audit, dispute, or negotiate charged-off accounts with an evidence-first process.
complete guide →
// recipe 06 — liveBankruptcy Reporting
Correct inaccurate bankruptcy and tradeline reporting, then rebuild methodically.
complete guide →
// browse by document type
Letter templates index.
Every letter template on the site, in one place. Each is fill-in-the-blank, ready for certified mail.
| Document | Description | Status |
|---|---|---|
| FCRA Dispute Letter | Section 611 dispute for inaccurate, incomplete, or unverifiable items. | live |
| Debt Validation Letter | FDCPA §1692g validation request for collection accounts. | live |
| HIPAA Removal Letter | Challenge medical collections using HIPAA privacy provisions. | live |
| Goodwill Letter | Request removal of legitimate late payments as a courtesy. | live |
| Pay-for-Delete Letter | Negotiate removal in exchange for payment. | live |
| Hospital Financial Assistance | Apply for charity care and financial aid programs. | live |
| MOV Request Letter | Method of Verification follow-up after a bureau verifies a dispute. | live |
| Identity Theft Dispute | Block information resulting from identity theft under FCRA §605B. | live |
// browse by bureau / creditor
Where to send what.
Factual contact information for the three major bureaus and the CFPB. Send disputes by certified mail with return receipt — always.
// Credit BureauExperian
P.O. Box 9701, Allen, TX 75013
1-888-397-3742
// Credit BureauEquifax
P.O. Box 105069, Atlanta, GA 30348
1-800-685-1111
// Credit BureauTransUnion
P.O. Box 2000, Chester, PA 19016
1-800-916-8800
// Regulator / ComplaintsCFPB
consumerfinance.gov/complaint
1-855-411-2372
// how recipes work
Every recipe follows the same structure.
// 01Overview
What it is, how it gets on your report, and the current rules.
// 02Templates
Fill-in-the-blank dispute, validation, and goodwill letters.
// 03Bureau Scripts
What to do when bureaus verify, reject, or ignore your disputes.
// 04FAQ
Schema.org-marked FAQ for search engine rich results.